Goldfinch is a decentralized lending platform,which allows anyone to be a creditor, not just a bank. the creation of goldfinch lies in the core beliefs:

1. more and more investors are starting to look for new sources of income, so the team believes that there will be a new wave of investors

2. economic activity will move further along the chain and become more programmable.

Now let's take this process and add investors looking for new sources of income, and this will all lead to the creation of a new system in which transactions will be free for everyone. now imagine that not only banks, but also small market participants can give huge loans, and this requires a system - a mechanism that will help with this. this is exactly what Goldfinch wants to bring to life. now a little about the participants. There are four of them:

1. borrowers. these are companies that seek funds and create pools, then these pools are evaluated by the sponsor.

2.these are sponsors - people who assess the pools of borrowers who expose the capital of the junior tranche with the greatest risk

3. liquidity providers - they are participants representing capital in the main pool, a smart contract, which is subsequently responsible for the distribution of capital by tranches.

4.auditors are the people who ensure that the protocol and the integrity of the participants are protected, and are also responsible for the borrowers' input of funds.