Goldfinch, launched in 2020 by Blake West and Michael Sall, revolutionizes credit systems by integrating them into the blockchain, enhancing financial inclusion. It uniquely offers crypto loans without requiring crypto collateral, widening access to digital capital. Using a 'trust through consensus' approach, Goldfinch enables borrowers to establish creditworthiness through collective assessment, bypassing the need for high crypto collateral. This fosters an on-chain credit history, key for scalable lending in emerging markets. The GFI token underpins community governance, incentivizes participation, and supports community grants. It's vital in backer and auditor staking, integral to the protocol's lending and governance. Goldfinch's innovative model is transforming digital lending and borrowing.