What is the current price of Goldfinch?
The current price of Goldfinch is $0.03762 with a 2.84% change in the last 24 hours.
Supply and ATH/ATL data provided by CoinGecko
Hyperliquid perpetuals only. One snapshot every 5 minutes, up to 20 returned price levels per side. Liquidity beyond those levels is unknown. This is not a liquidation heatmap or a fill estimate.
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Prices and notionals are USD-equivalent venue units, with USDC collateral. No currency conversion is applied. Notional = venue price × base-asset size. Contract specifications
Derivatives and mapped ecosystem data, with source timings and coverage.
Goldfinch is a decentralized credit protocol on Ethereum that lent stablecoins to real-world businesses without requiring crypto collateral, and GFI is its governance and incentive token. Instead of over-collateralizing with crypto, borrowers (mostly lending businesses in emerging markets) were assessed by investors, and every loan was backed by off-chain assets and income. Goldfinch matters as one of the earliest large tests of bringing real-world credit on-chain, and because its history shows both the promise and the risks of that model: in 2026 the community moved the protocol into maintenance mode focused on recovering legacy loans.
The docs reviewed do not name the protocol's founders. They do state that Warbler Labs was "spun out from the early Goldfinch team," and list Mike Sall and Blake West as Warbler Labs cofounders; the two also authored the 2026 wind-down proposal.
Key points in the timeline, from official documentation and the governance forum:
The original protocol ("Goldfinch V1") had these roles:
Borrowers Off-chain lending businesses proposed Borrower Pools: smart contracts containing loan terms such as interest rate and repayment schedule. They drew down USDC, converted it to local currency and lent it to end-borrowers in their markets.
Backers Investors who assessed individual pools and supplied first-loss (junior) capital, earning the highest yields for taking that risk.
Liquidity Providers Investors who supplied USDC to the Senior Pool, which provided second-loss (senior) capital and allocated automatically across pools based on how Backers had committed. This is the principle Goldfinch called "trust through consensus."
Auditors A planned role to vote on approving borrowers. The docs note it was not yet live as of June 2021.
If a borrower missed a payment, a 45-day on-chain grace period applied before the loan was marked in default. After that, Senior Pool investors saw the loan written down linearly over 120 days, partial repayments went first to the Senior Pool and then to Backers, and investors could pursue off-chain legal recourse against collateral.
The initial supply was capped at 114,285,714 GFI, with no inflation at launch. Documented allocations:
Team, Warbler Labs and early supporter tokens carried multi-year unlock schedules with 6-month lock-ups. GFI is an ERC-20 token at 0xdab396ccf3d84cf2d07c4454e10c8a6f5b008d2b.
Most DeFi lending requires borrowers to post more crypto than they borrow. Goldfinch replaced that with collective underwriting: Backers staked first-loss capital on specific borrowers, and the Senior Pool followed their judgment. It also targeted emerging-market lenders, a segment that crypto-collateral protocols cannot serve.
On-chain, security rests on Ethereum and Goldfinch's smart contracts, with upgrades and emergency pauses controlled by governance through the Council multisig. Credit risk, however, was secured off-chain: loans were collateralized with off-chain assets and income, backed by legal agreements for each pool. GIP-87 moves the legacy recovery work to a new U.S. trust with Goldfinch's Chief Restructuring Officer, Ted Gavin, as trustee.
Goldfinch was among the first protocols to route crypto capital into real-world lending at scale. Its outcome is a lesson for today's real-world asset projects: underwriting, legal recourse and borrower performance matter as much as the smart contracts.
GFI trades on centralized exchanges and on decentralized exchanges on Ethereum. Confirm the contract 0xdab396ccf3d84cf2d07c4454e10c8a6f5b008d2b on Etherscan before trading, and read the GIP-87 status first.
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Use a crypto paper trading account to demo trade Goldfinch with real-time prices, AI trade feedback, and trading leagues. Test strategies, learn risk management, and build confidence before trading Goldfinch with real money.
Read the complete paper trading guideThe current price of Goldfinch is $0.03762 with a 2.84% change in the last 24 hours.
The daily trading volume is $16,032.39 representing a 56.94% change in the past 24 hours.
The market capitalization of Goldfinch is $3,515,432, ranking #817 globally.
The fully diluted valuation (FDV) of Goldfinch is $4,299,797, calculated assuming the maximum supply of 114,285,714 GFI is in circulation.
Circulating: 93,437,811. Total: 114,285,714. Max: 114,285,714.
In the last 24 hours, Goldfinch traded between a low of $0.03663 and a high of $0.03872.
GFI/USDTTether USDT0.03762 USDT
Warbler Labs posted an official governance proposal on June 12 to wind down Goldfinch Prime and move the protocol to maintenance mode. A Snapshot vote is passing 100% in favor. Depositors face a two-or-more-year recovery horizon as GFI trades 99.8% below its January 2022 all-time high.
Several DeFi projects attracted significant TVL growth as more investors moved funds into such platforms, despite a TVL decline in the wider DeFi market.
