Goldfinch Founders Call and AMA, 13/09/24
Summary
TLDRВстреча с командой Goldfinch Foundation и Warbler Labs, где Blake, сооснователь и технический директор, и Алина, директор Goldfinch Foundation, обсуждают развитие Heron Finance, продукта на базе инфраструктуры Goldfinch, предназначенного для аккредитованных инвесторов. Blake делится обновлениями о росте Heron Finance, включая депозиты, число инвесторов и сделок. Также обсуждается план по расширению продукта за пределы США и к неаккредитованным инвесторам. Алина раскрывает планы Goldfinch на будущее, включая создание экосистемы для поддержки создания бизнесов по кредитованию и токенизации реальных активов, а также предстоящий грант-программу для участия сообщества в росте протокола.
Takeaways
- 😀 Blake, co-founder and CTO of Goldfinch and Warbler Labs, is still actively involved in the projects.
- 📈 Heron Finance, a regulated robo-advisor product by Warbler team, has over a million dollars in deposits and about 75 investors.
- 🌐 Heron Finance is currently only available to US accredited investors, but there are plans to expand to non-US and non-accredited investors once product-market fit is achieved and legal hurdles are addressed.
- 🔄 Heron Finance is working on a significant upgrade to increase the number of deals on the platform from seven to hundreds, aiming for a more diversified and safer investment option.
- 🚀 The team is focused on improving Heron Finance's product-market fit before ramping up marketing efforts.
- 💡 There are no immediate plans to integrate the GFI token directly into Heron Finance due to regulatory concerns.
- 💼 AJ, as an adviser, has been working on portfolio management and is in the process of engaging with borrowers for repayment plans.
- 📉 The total loss rate on the senior pool is reported to be 14.23%.
- 📅 The last maturity date for the senior pool is on April 25th, 2025, for Adam Capitals.
- 🌟 The Goldfinch Foundation plans to support the creation of lending businesses and tokenize offerings, with a focus on growing the ecosystem and community involvement through a grants program.
Q & A
Что такое Heron Finance и для кого он предназначен?
-Heron Finance - это продукт, разработанный командой Warbler, построенный на инфраструктуре Goldfinch. Он зарегистрирован в SEC в качестве робо-консультанта и предназначен для аккредитованных инвесторов, предоставляя им более гладкий доступ к частному кредитованию.
Какова текущая ситуация с продуктом Heron Finance?
-Heron Finance работает уже около шести месяцев, набирая постоянный рост. На платформе более 75 инвесторов и более чем семь сделок. Также упоминается, что скоро будет представлена большая улучшенная версия, которая значительно увеличит количество доступных сделок.
Каковы планы по расширению Heron Finance за пределы Соединенных Штатов?
-Хотя команда хотела бы открыть доступ к Heron Finance как можно большему числу инвесторов, текущие юридические и регуляторные ограничения делают это сложным. В настоящее время продукт доступен только для аккредитованных инвесторов в США, и расширение за пределы США или для неаккредитованных инвесторов требует значительных юридических усилий и ресурсов.
Будут ли в будущем интегрироваться токены GFI в Heron Finance?
-На данный момент нет прямых планов интеграции токенов GFI в Heron Finance в виде ликвидности майнинга или подобных механизмов. Команда ищет способы интеграции, но требуется больше ясности от регуляторов перед тем, как это сделать.
Каковы обязательства команды Goldfinch в отношении поддержки и развития проекта?
-Команда Goldfinch, включая Blake и Mike, продолжает активно работать над Heron Finance и Goldfinch. Они занимаются улучшением продукта, обновлениями и поддержкой инфраструктуры, что подтверждает их приверженность проекту.
Что означает для Goldfinch окончание срока погашения кредитов?
-После того как все кредиты будут погашены, Goldfinch планирует сосредоточиться на создании экосистемы для поддержки создания новых бизнес-моделей, использующих инфраструктуру Goldfinch для токенизации и кредитования.
Какие будут новые проекты от команды Goldfinch после окончания срока кредитования?
-Команда Goldfinch сосредоточится на создании экосистемы для поддержки новых проектов, использующих их инфраструктуру, и продолжит работу с существующими продуктами, такими как Heron Finance.
Будут ли внедряться изменения в социальные медиа Goldfinch?
-Команда Goldfinch планирует увеличить активность в социальных медиа, включая Twitter, и обновлениями на других платформах, чтобы лучше взаимодействовать с сообществом и информировать о разработках и новостях.
Какие мероприятия предусмотрены для участия сообщества в разработке Goldfinch?
-Будущие планы включают запуск грант-программы, которая позволит сообществу участвовать в разработке и поддерживать рост экосистемы Goldfinch.
Есть ли планы на создание новых borrower pools в ближайшем будущем?
-Да, Goldfinch планирует создавать новые borrower pools в будущем, что будет способствовать расширению их экосистемы и привлечению новых участников.
Outlines
😀 Вступление и представление Goldfinch Foundation
В видео скрипте представлены Blake, сооснователь и технический директор Goldfinch, и Alina, директор Goldfinch Foundation. Blake делится своим волнением о возможности общаться с аудиторией и рассматривает вопросы, касающиеся финансового продукта Heron Finance. Alina рада присутствовать и обсуждать вопросы, связанные с финансированием и участием команды. Они благодарят за предоставленные вопросы и начинают с вопросов, касающихся Heron Finance.
📈 Обновления по Heron Finance и планы по расширению
Blake дает обзор Heron Finance, финансового продукта, созданного на базе инфраструктуры Goldfinch. Он объясняет, что Heron Finance предназначен для аккредитованных инвесторов и предоставляет им доступ к частному кредиту. Blake делится информацией о том, что Heron Finance зарегистрирован в SEC как робот-консультант и имеет более чем один миллион долларов депозитов и около 75 инвесторов. Он также раскрывает планы по увеличению количества сделок на платформе и расширению доступности продукта за пределы США и для неаккредитованных инвесторов, учитывая юридические и регуляторные ограничения.
🌐 Международное расширение и интеграция токенов
Blake обсуждает возможные направления развития Heron Finance, включая международное расширение и интеграцию токенов. Он подчеркивает, что, хотя они стремятся к расширению доступности продукта, юридические и регуляторные препятствия делают это сложным. Blake также говорит о том, что в настоящее время нет прямых планов интеграции токенов Goldfinch (GFI) в Heron Finance из-за неясности регуляторных требований.
📢 Активность Goldfinch в социальных сетях и будущее проекта
Alina отвечает на вопросы о том, почему команда Goldfinch была неактивна в социальных сетях, и подтверждает, что они восстановили доступ к своему аккаунту в Twitter и планируют увеличить активность. Blake уточняет, что вся команда сосредоточена на разработке Heron Finance и Goldfinch, и они не работают над другими проектами в настоящее время.
💼 Обновления по портфелю и будущему Goldfinch
AJ, советник Goldfinch Foundation, обсуждает текущий портфель заемщиков и их взаимодействие с Goldfinch. Он упоминает ожидаемые даты погашения, общую убыточность в senior pool и оценивает вероятность будущих дефолтов. Alina раскрывает планы Goldfinch на будущее, в том числе создание экосистемы для поддержки создания кредитных бизнесов и использование borrower pools для токенизации предложений. Она также говорит о предстоящих грантах и возможностях для участия сообщества.
🤝 Заключительные слова и возможность задать вопросы
В заключении Blake, Alina и AJ благодарят за организацию и участие в вебинаре, предлагают аудитории задать дополнительные вопросы и подчеркивают намерение продолжать работу над улучшением продуктов и взаимодействием с сообществом.
Mindmap
Keywords
💡Heron Finance
💡Goldfinch Foundation
💡Portfolio Management
💡TVL
💡Deals
💡Regulation
💡Product-Market Fit
💡Tokenization
💡Borrower Pools
💡Grants Program
Highlights
Blake introduces himself as the co-founder and CTO of Goldfinch and Warbler Labs.
Alina discusses her role as the director of the Goldfinch Foundation and her focus on the foundation.
AJ, an adviser to the Goldfinch Foundation, talks about his involvement in portfolio management for existing borrowers.
Blake provides an overview of Heron Finance, its purpose, and its registration with the SEC as a robo-advisor.
Heron Finance aims to offer accredited investors seamless access to private credit.
Blake mentions that Heron Finance has over a million dollars in new deposits and about 75 investors.
Heron Finance is planning a significant upgrade to increase the number of deals on the platform.
Blake explains the challenges of opening Heron Finance to non-US and non-accredited investors due to regulatory hurdles.
AJ discusses the situation with LendEast and the process of negotiating out-of-court settlements.
Alina talks about the team's regained access to their Twitter account and plans for increased social media activity.
Blake confirms his and Mike's ongoing involvement with Goldfinch and Heron Finance, dismissing community concerns about their departure.
Alina outlines the future plans for Goldfinch, focusing on developing an ecosystem to support lending businesses and borrower pools.
The team plans to roll out a grants program to involve the community in Goldfinch's growth.
Alina confirms that new borrower pools will be introduced in the future.
The total loss rate on the senior pool is reported to be 14.23%.
AJ shares that he is unaware of any possible defaults from borrowers outside of LendEast.
Transcripts
hey how's it going everybody um uh you
know me I'm Blake co-founder and CTO of
uh gold Fin and warbler labs and excited
to chat with everybody
today I'll go next hi everyone uh obina
Here I Am the director of The Goldfinch
Foundation been working uh on goldf for
the last three years as part of the
warer team uh but more recently rotated
to focus entirely on the foundation uh
excited to be here and looking forward
to the
conversation thank you Blake thank you
Alina AJ the stage is yours hi everyone
pleas introduce hi everyone my name is
AJ I am the adviser to The Goldfinch
Foundation uh I've been spending the
last three months uh on portfolio
management duties for the existing
borrowers I'm happy to be here and
provide an update uh to every on my
progress
today thank you very much for the
introduction Blake being an AJ and again
i' would like to thank our community
for basically sending lots of questions
uh which we got from you while preparing
for this ma uh to make it easy to follow
up on them we split them up into several
let's see blocks and I will start with
the questions related to heren finance
and funding team involvement so the
first question will go to Blake Blake uh
can you sure please updates on Heron
Finance because they Community would
like some insight into the performance
of the product such as the tvl the
number of investors actively
participating and the number of deals
being funded by the
product sure thing so first I'll give a
quick reminder of what Heron Finance is
in case anybody's not clear so Heron
Finance is they it's a sort of separate
product that was built by the warbler
team it's built on top of the same ginch
infrastructure as the kind of original
Goldfinch product um Heron Finance is
actually registered with the SEC as a
robo advisor and it was designed for
accredited investors and it's a W for
people have really seamless access to
private credit so it basically her
Finance is trying to take some of the
learnings we had from from G Ben but
make it into something that was a little
bit more accessible to mainstream
investors and also an overall better
product so you know one of the big
things we had heard from goldf investors
and was one of the problems we saw was
that it was tough doing this like deal
by deal thing where like bers would come
on they weren't sure whether or not they
were GNA fund their deal they'd have
everyone would have to come invest at
like a small window within one week and
then hopefully the deal would get funded
and you know there was just a lot of
kind of coordination issues and plus
people didn't necessarily feel super
comfortable underwriting the deals
themselves and we took a lot of that and
try to make a new product called Heron
finance that
is totally passive it's automated it's
Diversified by default instead of
investing in one deal you diversify you
are invested in many deals and those
deals keep updating over time and it's
managed by uh the warbler team in terms
of the sort of how we do the allocations
um we anyway I can go into more details
but that's a little bit about it um I
guess also say her Finance um we're
working with Partner Credit funds to
bring their deals uh onto the platform
and you know Heron is and War doing
we're not like originating or sourcing
the deals ourselves but um anyway so to
give a little bit about that and the
update there is so Heron has been live
for about six months or so now um and
it's been kind of slow but but steady
growth we her has bit over a million
dollars in new deposits about 75
investors there's about seven deals
currently on the platform um also the
smart contracts that are being used for
that um have been made public before in
the Discord I can make them public again
uh in case people wanted to to view
those but that is um that can you know
you can see all this kind of activity
happening on chain just like you could
with with goldfinch and um overall yeah
I think we're we've been talking a lot
to customers we're trying to slowly
iterate the product and get it to a
place that's going to see like really
strong product Market fit um it's not
quite there yet but I'm we're seeing
some promising signs especially lately
so that's the short update I can speak
more about I think there's other
questions related to it that happy to go
into thank you very much Blake thank you
for S answer yeah there are some more
questions related to Heron so another
question is what are the growth plans
for Heron and when will the product be
open to non United States investors and
are there any plans to open it to non
accredited investors as
well yeah so first I'll talk about
General growth plans so I would say what
we're actually working right now on a
very like amazing upgrade to Heron that
will drastically increase the number of
deals that we have so right now as I
said there's about seven and you know in
Gold F I think get the most we had
something like 15 or 20 that were active
at a given
time um after we do this this upgrade
we're going to have hundreds and then
eventually thousands of deals on the
platform for herin so we're very excited
about this um I can't really say too
much more about it because we're still
deep into building it but um I say I
think it's going to be a very
significant upgrade and should be um
very helpful to attracting more
investors and more Capital because it's
just going to make the product a lot
more Diversified a lot safer the deal is
going to be a lot more high quality um
so excited about that and that is a key
pillar of how we think Herring can grow
is you got to fundamentally make the
product better there's like products and
then there's you know marketing stuff
sales and marketing um I think we need
to fundamentally make the product better
and that's what we're working on and
hopefully that'll be ready sometime in
the next couple months can't give exact
dates there but that's the kind of rough
timeline we're thinking about
and then you know we can do more
marketing um we have been doing some
marketing like we've been doing you know
Google and Facebook ads and things like
that to try and get people in the door
and talk to customers um but you know
that is you don't want to do too much of
that if you don't think the product has
true product Market fit yet which we
don't um but I think we're getting a lot
closer uh we've been making consistent
updates to it people can all go to it by
the way if you're a um a US ACC credit
investor you can sign up to heren
finance.com and go through the whole
flow and and invest um if not you can at
least check out the website and see what
the product's about but we've been
making a lot of consistent updates there
and once we feel like we have pmf then
you can really more in the gas in terms
of the sales and marketing to add a lot
more investors and dollars but you got
to make sure you get the pmf right first
um beyond that in terms of non- us
investors and non- accredit investors so
look I mean look I would love to open it
up to as many investors as possible um
that's always been the general uh goal
of crypto and defi to have as much
access and make things as Triss as
possible unfortunately the regulator The
Regulators and the legal environment
does not really want that to happen so
it has to be a credited investors for
the us we actually did experiment
earlier this year with opening it up in
Brazil Argentina and Peru um because we
did like a survey uh we spent a lot of
time with many lawyers around the world
to try and find countries where we could
open it up to you know the whole
population of that country without
having to do a lot of legal work um and
and the only ones that really you could
do that for that were also like sizable
populations were Brazil Argentina and
Peru we did seriously look at like tons
of countries like dozens of countries
and talked to like you know probably a
dozen lawyers um for Asia Africa you
know middle east Europe all that stuff
and those were we thought the best
countries that we could pretty much just
open up and see what happens and we did
that we opened up we even did some
Google and Facebook ads in those
countries and there was just very little
uptake um now there's a lot of reasons
for that right I think when you actually
open up internationally and there isn't
you know last time we did this right
obviously most of the gulfish community
is international um that was very crypto
native product um and those investors
were very much seeking out lots of
opportunities in the crypto space and
obviously tokens were very hot back in
2021 so we didn't have to do a lot of
advert we did zero advertising and a lot
of people just kind of showed up um you
know for a regular Finance product
that's just not how it works and so um
it was not something that we could just
do we we did it and we even did some
advertising but just not a lot of uptake
on the product so we decided that really
wasn't super worth it and so we
basically we tried with non us it didn't
do super well um we would like to uh
eventually open it up to non accredited
us investors that also also a big legal
hurdle takes like a million dollars a
year you have to register a fund and do
all this stuff it's it's very very
difficult um and we would like to do
that internationally as well and
hopefully we will do that eventually
once we feel like we've dialed in the
product Market fit here and um can you
know spend the time and resources to
make things open to non- accredited
investors and non- US investors around
the world so short answer is I would
like to do it as fast as we can it turns
out it's actually really hard um also
one thing actually I wasn't even aware
of until getting into this stuff was
that the financial regulations around
the world have actually gotten more
strict since gin originally launched
back in
20120 it's gone from being the type of
thing we like well you can kind of open
it up and as long as you don't advertise
everything's fine to actually advertise
and getting a lot stricter and um and
even just opening it up and having
people come on your website is like not
cool and um accredit investor laws have
been introduced into India for example
they've been introduced into um a lot of
European countries um and just
introduced in Singapore I think lots of
other places that didn't even have them
four years ago so the world is
unfortunately trending more strict with
Finance not less and so that made it
feel like we couldn't just rerun the the
go fin Playbook time especially since
our product is now regulated by the
SEC thank you thank you very much Blake
for such like also very detailed answers
and like so many things you covered uh
like we're here like gfish Community is
also uh very curious to know if there
are any plans to integrate uh gy token
into Heron
Finance yeah so right now there's no
direct plans to do I say or no there's
no plans to integrate it in a direct way
meaning like no like liquidity mining or
um you know or anything like like that
um the I think the feeling especially
that Heron is regulated by the SEC we
don't feel we can take the risk of like
a direct integration until there's more
regulatory Clarity on how to do that um
in a reasonable way as we've said in the
past I mean the the hopefully the the
goal eventually is there's some sort of
um you know we're build on the same
infrastructure um we think that you know
traction is the most important thing um
for building credibility for the ginch
community and getting other teams to
build on it and building more overall uh
dist traction and volume um on the ginch
ecosystem so that's the thing we're most
concerned about and I think that if we
get that right a lot of other you know
good things can follow and we can find a
path um for somehow you know bringing
the token back into things but uh we're
not really sure exactly how to do that
right now so I'll leave it that
okay thank you thank you very much good
to know uh by the way uh can the golfing
Community expect updates on her own to
be shared with like the community going
forward or
not um yeah sure I mean so we um we
honest we haven't been doing like as I
said as much like sales and marketing
and haven't doing updates like there is
a Twitter we send out emails to people
but um we've mostly been focused on
trying to get people Indo build up the
product get the onboarding flow right
and the way we message things and the
marketing site right so um I was you
know you can follow those things you can
get on the email list there that's a
good way and then yeah we can also try
and make um make more of an effort to
just share back some of the stuff that
that we're doing though uh especially
could you know could um could try and
share back some of the key updates
that's happening within the herin side
as
well okay thank you uh Blake there is
one more question which is which seem to
be really important for the community
because we got I mean like we got this
question uh lots of times from different
community members so please uh address
that uh and commment on the involvement
of uh Mike and
yourself uh basically Community is
wondering whether you left G fin or
not oh yeah absolutely not right I mean
so Mike and I Contin to work very very
hard on Heron and by proxy on Goldfinch
so I mean yeah we've been doing a ton of
stuff on Heron uh as i' I've shared
we've been continually updating the
product we got a really amazing upgrade
in the works now um and we have been
growing the number of investors in tvl
slowly but steadily on that product um
which is built on top of gfch
infrastructure we've also in more direct
ways for Goldfinch um we have uh already
contributed back to a simple loan
contract which is a much more flexible
contract that was built sort of for
hering since her was starting to do more
complicated um interest rates structures
and that can be used for Goldfinch now
and then also we've helped craft several
key proposals like the proposal to help
use GFI with principal loss the gfin V3
um and you know getting ajm board and
others so yeah we're still very much
involved this is absolutely our our
full-time work uh so yeah we're and
we're not you know really going anywhere
on this yeah we're definitely still yeah
thank you thank you very much I'm sure
that Community is pleased to know that
you are still involved in Gulf care
about this project that much thank you
uh and just we got also like another
question because uh like taking into
account your level of involvement in
Heron and now we know that you're still
involved that much in
goling uh last but not least question uh
uh other than Heron Finance is the veral
lab team right now working on any other
upcoming projects or
not no everything is is focused on Heron
and and gin
okay cool thank you thank you so much
Blake uh
AJ uh we got lots of questions uh
regarding portfolio performance uh from
different community members and uh I
will be happy to invite you on the stage
and let you share uh your answers on the
following questions which we got earlier
from the community so basically one
other question is can you please provide
uh an update on the situation with list
uh which is important a lot in the
process of restructuring its obligations
and we'll be attempting to negotiate out
of court settlements with its various
stakeholders including Goldfinch um over
the next few weeks um a representative
from lend East should be posting a more
detailed update to the lender data room
um and so you know we're just in waiting
mode until we receive an update from
from
least Co thank you AJ uh another
question which is also like quite
important for the community provided
what happen to land list uh few members
are curious to know if you can share a
general update on the other borrowers
based on your interactions with them in
the past three months in case we can do
so we'll be happy to know more from you
thank
you so the other borrowers outside of
blend East have been very open to
engaging with me as as the new adviser
appointed by the community the
information flow has taken a little
longer than expected due to it being a
new relationship and lack of familiarity
and building trust around sharing
confidential information and so we
haven't yet received detailed financial
information on the performance of the
underlying portfolio companies at each
borrower but we should be completing
portfolio reviews and discussing
detailed plans for repayment for each
borrower over the next few weeks
okay okay thank you thank you so much uh
like all these questions were more
related to uh borrower pools to Junior
polls uh but we also have like quite a
few community members uh which supply
liity to the senior poll and we got
another question from them uh basically
uh when is the last payment expected
into the senior pool according to like
your
estimations so the last maturity date um
is on April 25th
2025 um for Adam capitals uh
cool all right thank you uh another
question which is also related to the
senior poll again here uh because again
like the topic of the senior poll is
quite hot here in the J like uh in the
charts on Discord uh can you please tell
us the total loss rate on the senior
pool so far up to date sure so the total
R loss rate on the senior pool is
14.23% okay thank you thank you very
much and again like last but not least
question regarding like portfolio uh
again like taking into account what
happened to uh
list uh I think it's is also very
important one are you aware of any
possible defaults from borrowers in the
future and in your estimation a borer is
likely to repay the
loans sure so I'm currently unaware of
any possible defaults with the remaining
borrowers outside of outside of lend
East the borrowers have stayed current
on their interest payments which is
great um and we're going to be
discussing their plans for repayment
over the next few weeks and so we'll
have more updates for the community
after that
time thank you thank you J much
appreciate it like the how Community
does really happy to know that thank you
so much uh I guess that other questions
I will uh address to Aina so we got uh
questions regarding social media
presence of gin right now uh so abina
tell us please why has the team been
silent on social media platforms like
Twitter or like xplatform now it's
called that way for a while
already uh yeah happy to talk about this
briefly um unfortunately we had some
issues accessing our Twitter account
over the past few months uh but we have
regained access um to that we don't
anticipate any issues there going
forward and we've resumed posting on
Twitter as early as this week as
recently as this week um yeah the
community can expect sort of increased
activity on eggs and other social media
Platforms in the coming weeks as we roll
out the new site um we introduce the
grants program um and and we continue to
gr the
protocol amazing thank you good to know
that I think that we have already
covered lots of different topics but
there is one which is still left uh and
we got like quite a few questions on
that because everyone is really curious
to know what is the future of gfch what
the gfch will be uh so basically one of
the questions is what are the plans for
ginch going forward and what happens to
ginch after all the loans mature
rabina yeah happy to talk about this as
well um
and and yeah I think Blake has started
talking about this a little bit uh but
effectively the way that uh we're
thinking about this is that on the
product side um The Goldfinch Community
will be focused on two areas going
forward um firstly uh and this is in
line with The Goldfinch blueprint that
Mike and Blake shared last year um we
are developing an ecosystem to support
the creation of lending businesses
such as Heron um that leverage sort of
goldfinch's tokenization infrastructure
um and and as you can imagine like so
the idea here is just as Heron has done
we believe that there is a market of of
teams and and only growing Market of
teams now that uh sort of the real world
asset narrative is really begin
beginning to take to to to to gain steam
um that there's a growing number of
teams that are looking for
infrastructure on which to build their
own products and which to tokenize their
own products and so um one big pillar of
goldfinch's future going forward uh is
to build an ecosystem that allows and
supports teams um to build on this
infrastruct to build on this
infrastructure um and and to sort of uh
grow The Goldfinch protocol as you can
imagine the more teams that are building
on on our infrastructure the more
tvl um that the protocol will have
ultimately the more valuable the
protocol will be so that that's one of
the major um sort of components of
goldfinch's growth going
forward um now secondly on the product
side uh the truth is that there're less
technical teams especially traditional
Finance native teams that are looking to
tokenize their offerings as well and so
um you know we think this is where the
borrower pools the gold winch borrower
pools come in
um because they allow teams to tokenize
their offerings quickly just as Alma
chorus um and Adam are doing today and
many other funds have done on Goldfinch
over the last few years um and so um the
approaches you know there's there's one
more technical approach for development
teams like Heron uh but then there's
other there there's another sort of less
technical um easy way for folks to
tokenize using the goldf infrastructure
making use of the borrower pools um and
similarly the more folks the more the
more uh teams that are that are using
that are opening up new borrower pools
and are tokenizing their offerings that
way uh the higher the TBL the more
valuable the protocol
um and the better off the ecosystem will
be um ultimately we think that sort of
Goldfinch has battle tested
infrastructure that's seen
um over 120 million
originations um and we've been sort of
uniquely positioned uh we're uniquely
positioned to offer this infrastructure
to teams interested in bringing their
assets on chain um and and yeah so this
is all on the product side on the
community side we'll be rolling out a
grants program next month in an effort
to sort of get more uh of the community
uh involved uh in our
growth thank you thank you I've being
nice nice to know that and last question
uh basically about the future of golfing
uh which seems to be quite brilliant uh
will there be new borrower pulls in the
near future and if so will the GF credit
analysis grant program
continue um yeah so so so kind of like I
just described we do plan on on having
new borrow pools open in the future um
now in terms of the credit analysis
grants program um I don't have an answer
to that just yet uh it is likely that we
introduce something similar um in the
wider grants program that we're
launching next month uh but but I'm sure
sort of what form that takes and and and
how soon the specific credit analysis uh
grants portion will be released but
that's how but but yeah we will be
releasing B Pools in the future um TBD
on on what the credit analysis program
will look like going
forward amazing amazing thank you abina
thank you abina thank you AJ Thank You
Blake for all your answers to the
questions which we got earlier from the
community members who sign it up via
their form uh we would like to like let
uh community members who are present
right now on the call on the ma session
to ask five more questions in case you
have them so please raise your hand to
let me know that you want to be invited
to this stage and we will let you ask
your question directly from Blake uh
abina or
AJ don't hesitate to do
so okay we have one question from banman
I'm inviting him to speak bman you're
invited feel free to step on the
stage okay
yep we can hear you than you than you
yeah thank you guys for hosting this um
event um I really like the team and you
know what you guys are doing it's really
exciting times ahead um and I was just
wondering if you guys are looking at all
to grow your team um where would be the
best place to look um especially on like
the marketing side of
things um so for The Goldfinch protocol
um you could just you can send me an
email at Aina Goldfinch finance and we
can talk some more about it we are
thinking about growing the team
primarily through the GRS program going
forward um but uh happy to have a more
in depth chat about this as
well awesome cool uh could you repeat
your email one more time
sorry uh obina that's just my first name
at Gold Vin talk Finance gotcha thank
you appreciate it guys
thank you bman I'm moving you to
audience back back there thank you uh
please we have four more questions in
case you want to ask them like feel free
to do so raise your hand and then we'll
white you onto the stage
okay seems that there are not any
questions left uh remain so far I want
to thank again like all the community
members who came to listen to the m
session uh with plague abina and AJ
thank you very much for your time and
thank you very much for all the
brilliant questions which you asked us I
want also to thank Blake being an AJ for
sharing the answers and for your time
and for staying with the community and
for being together uh this like this
time during this AA thank you so much
and let's skip in touch thank you
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