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GoldfinchGFI

DeFi, RWA
TokenomicsUnlocksValue FlowRevenueValuation
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Goldfinch Tokenomics Overview

Full Goldfinch tokenomics breakdown: GFI token allocation, vesting schedule, supply distribution, unlock dates, and investor terms.

Produced by Tokenomics.com in collaboration with BlackTokenomics.
TGE DateJanuary 11, 2022
Max Total Supply114,285,714
Total Supply114,285,714
Transparency
LOWHIGH
GFI Allocation Distribution
Shows how the tokens are split across all allocation pools.
Pool Name
Allocation %
Release Progress
Locked $
Next Unlock
Early & Future Team
28.40%
66.7%
$534.0K13 Days
Early Supporters
21.60%
100.0%
$0.0Finished
Community Treasury
14.80%
100.0%
$0.0Finished
Senior Pool Liquidity Mining
8.00%Undisclosed$451.2KUndisclosed
Warbler Labs
4.40%
100.0%
$0.0Finished
Early Liquidity Provider Program
4.20%
100.0%
$0.0Finished
Retroactive Liquidity Provider Distribution
4.00%
100.0%
$0.0Finished
Auditors
3.00%Undisclosed$169.2KUndisclosed
GFI Vesting Release Schedule
Full token vesting release schedule over time, broken down by allocation pool. Undisclosed allocations are shown as a faint max-immediate-unlock overlay.

GFI Tokenomics FAQ

Key questions and answers about Goldfinch tokenomics. Last updated 03/28/26, 8:01 AM

What is the utility of the GFI token?

Goldfinch has 5 primary token utilities:

  • Staking Rewards: FIDU stakers earn GFI rewards through Senior Pool liquidity mining at variable rates, and members who lock both GFI and capital in membership vaults earn FIDU-denominated Member Rewards from protocol fees.
  • Staking Access: Participation in the Goldfinch Membership system requires locking both GFI and invested capital in dedicated vaults to access Member Rewards and enhanced governance voting power.
  • Service Payments: Borrowers must stake GFI equal to double the Auditor approval cost to create a Borrower Pool, with the first half consumed to pay for the initial Auditor approval and the remainder redeemable only after full loan repayment.
  • Vote Escrow: Members who lock GFI in membership vaults receive enhanced governance voting weight calculated using a linear scaling factor based on lockup duration, with a maximum four-year lockup receiving full weight.
  • Other: Snapshot governance polls employ quadratic voting mechanics weighted by GFI token balance, providing a separate off-chain governance layer where larger holders have diminishing marginal voting influence.

What is the token allocation for GFI?

Goldfinch token distribution allocates 114,285,714 GFI across 4 primary stakeholder groups:

  • Community: 30.80% (Senior Pool Liquidity Mining 8.00%, Early Liquidity Provider Program 4.20%, Retroactive Liquidity Provider Distribution 4.00%)
  • Insiders: 28.40% (Early & Future Team 28.40%)
  • Private Investors: 21.60% (Early Supporters 21.60%)
  • Foundation: 19.20% (Community Treasury 14.80%, Warbler Labs 4.40%)

What is the vesting schedule for GFI?

GFI uses variable cliffs and vesting schedules that change depending on the allocation:

  • Early & Future Team: 6 Month Cliff, 72 Month Linear Vesting
  • Early Supporters: 6 Month Cliff, 36 Month Linear Vesting
  • Community Treasury: 100.0% at TGE
  • Senior Pool Liquidity Mining: No information
  • Warbler Labs: 6 Month Cliff, 36 Month Linear Vesting
  • Early Liquidity Provider Program: 6 Month Linear Vesting
  • Retroactive Liquidity Provider Distribution: 12 Month Linear Vesting
  • Auditors: No information
  • Borrowers: No information
  • Flight Academy Rewards: 24 Month Linear Vesting
  • Backer Staking: No information
  • Backer Pool Liquidity Mining: No information
  • Contributors: 100.0% at TGE

How many GFI tokens unlock at TGE?

15.4% of the total supply (17,599,999.956 GFI) is unlocked at TGE, with the tokens split between Foundation and Community.

What is the total supply and circulating supply of GFI?

Goldfinch has a total supply of 114,285,714 GFI, of which 93,450,584 GFI (81.8% of total) is currently circulating.

What is the token emission schedule for GFI?

Total length of the full Goldfinch emission schedule is 7 years, with 31.34% released in Year 1, while the remaining 49.66% is released over the following 6 years.

What percentage of GFI is allocated to the community?

30.8% of the Goldfinch supply is allocated to community focused pools such as Senior Pool Liquidity Mining, Early Liquidity Provider Program, Retroactive Liquidity Provider Distribution, and Auditors.

What is Goldfinch (GFI)?

Goldfinch GFI tokenomics powers decentralized real-world asset lending through innovative credit pool infrastructure. The protocol connects crypto capital to off-chain lending businesses via junior and senior tranche mechanics, enabling USDC deployment to global borrowers. GFI tokens facilitate governance voting, auditor staking rewards, and backer incentive distribution across the ecosystem. Backers provide first-loss capital to evaluate borrower pools, while liquidity providers earn FIDU tokens representing senior tranche positions with automated leverage allocation based on trust through consensus mechanisms.

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