{"id":2710,"date":"2025-07-10T03:30:35","date_gmt":"2025-07-10T03:30:35","guid":{"rendered":"https:\/\/dizainoarkliukas.lt\/?p=2710"},"modified":"2025-07-10T03:30:35","modified_gmt":"2025-07-10T03:30:35","slug":"defi-skolintojas-panaudoja-1-mln-usd-studentu-paskolas-filipinuose-indonezijoje-bet-kokia-kaina","status":"publish","type":"post","link":"https:\/\/dizainoarkliukas.lt\/?p=2710","title":{"rendered":"DEFI skolintojas panaudoja 1 mln. USD student\u0173 paskolas Filipinuose, Indonezijoje, bet kokia kaina?"},"content":{"rendered":"<p><\/p>\n<div style=\"position:relative;overflow:visible;font-size:1.2em;line-height:1.58\">\n<div class=\"pt-8 pb-10 border-t border-b border-decryptGridline \">\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Turinys:<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/dizainoarkliukas.lt\/?p=2710\/#Trumpai\" >Trumpai<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/dizainoarkliukas.lt\/?p=2710\/#Skolos_laipsniai\" >Skolos laipsniai<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/dizainoarkliukas.lt\/?p=2710\/#Kasdienis_apklausa_Informacinis_biuletenis\" >Kasdienis apklausa Informacinis biuletenis<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h4 class=\"sc-b2a202e4-4 bNRGqr gg-dark:text-white\" color=\"#333\"><span class=\"ez-toc-section\" id=\"Trumpai\"><\/span>Trumpai<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li class=\"font-meta-serif-pro font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">\u201ePencil Finance\u201c panaudojo 1 mln. USD grandin\u0117s kapital\u0105, kad gal\u0117t\u0173 finansuoti student\u0173 paskolas Filipinuose ir Indonezijoje.<\/li>\n<li class=\"font-meta-serif-pro font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Kapitalas yra padalintas \u012f vyresnysis ir jaunesnes dalis, si\u016blantis fiksuot\u0105 ir kintam\u0105 pajamingum\u0105, paremt\u0105 \u0161vietimo teik\u0117jo Erudifi gr\u0105\u017einimu.<\/li>\n<li class=\"font-meta-serif-pro font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Protokolas vykdomas per intelektualias sutartis d\u0117l \u201eArbitrum\u201c pagrindu sukurtos EDU grandin\u0117s, pa\u017eymint tai, k\u0105 jis pavadina kaip pirmoji tokios r\u016b\u0161ies iniciatyva \u0161vietimo sektoriuje.<\/li>\n<\/ul>\n<\/div>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Decentralizuotas skolinimo paleidimo \u201ePencil Finance\u201c tre\u010diadien\u012f prane\u0161\u0117, kad ji dislokavo 1 mln. USD u\u017e grandines student\u0173 paskolas, o l\u0117\u0161os, skirtos skolininkams Filipinuose ir Indonezijoje, kaip platesnio post\u016bmio i\u0161pl\u0117sti \u0161vietimo finansavim\u0105 besivystan\u010diose rinkose.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\"><span style=\"font-weight:400\">Iniciatyva veikia renkant l\u0117\u0161as i\u0161 investuotoj\u0173 ir pad\u0117dami jas \u012f strukt\u016brizuotas paskol\u0173 dalis per intelektuali\u0105sias sutartis EDU grandin\u0117je-\u201eLayer-3\u201c grandin\u0117s grandin\u0117je, sukurtoje \u201eArbitrum Orbit\u201c \u0161vietimo programose.<\/span><\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">I\u0161 prad\u017ei\u0173 likvidum\u0105 teik\u0117 \u201eAnimoca Brands\u201c, \u201eOpen Campus\u201c &#8211; DAO, orientuota \u012f decentralizuot\u0105 i\u0161silavinim\u0105 &#8211; ir \u201eNewcampus\u201c, verslo pakilimo platform\u0105.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Protokolas tvarko paskolos i\u0161mok\u0117jim\u0105 ir gr\u0105\u017einim\u0105 \u012f grandin\u0119. Kapitalas padalijamas nuo 750 000 USD vyresniojo dalies, si\u016blan\u010dios fiksuot\u0105 15% metin\u012f pajamingum\u0105 ir 250 000 USD jaunesnioji dalis su kintama gr\u0105\u017ea ir pirmojo nuostolio rizika.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\"><span style=\"font-weight:400\">Kai sujungtos, l\u0117\u0161os, skirtos grandin\u0117ms, yra paskirstomos \u0161vietimo partneriams, kurie paver\u010dia jas vietin\u0117mis \u201eFiat\u201c valiutomis. \u201eErudifi\u201c, mokslo finansavimo paslaug\u0173 teik\u0117jas, turintis a\u0161tuoneri\u0173 met\u0173 patirt\u012f Filipinuose ir Indonezijoje, gauna kapital\u0105 ir turi j\u012f savo i\u017ede u\u017e student\u0173 paskolas.<\/span><\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">\u201ePencil Finance\u201c teig\u0117, kad jos protokolas decentralizuoja kapitalo sraut\u0105, gr\u0105\u017einimus ir &#8211; per daug laiko, o paskolos gav\u0117jo vertinimas i\u0161lieka centralizuotas.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Skolinimas, pajamingumo paskirstymas ir operacij\u0173 steb\u0117jimas atliekamas per intelektuali\u0105sias sutartis grandin\u0117je, nors pagrindinei komandai vis dar reikalaujama i\u0161samiai tikrinti skolinink\u0105. Bendrov\u0117 planuoja pereiti prie valdymo iki \u201e$ Pen\u201c \u017eeton\u0173 tur\u0117toj\u0173 pagal DAO model\u012f.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\"><span style=\"font-weight:400\">\u201eTai yra neatrasta teritorija\u201c,-pasakojo Filipinie\u010di\u0173 vadovaujamos \u201eEdutech\u201c platformos \u201eBatckect\u201c generalinis direktorius Jiro Reyesas <\/span><i><span style=\"font-weight:400\">I\u0161\u0161ifruoti<\/span><\/i><span style=\"font-weight:400\">.<\/span><\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\"><span style=\"font-weight:400\">Paleidimas atsiranda atnaujinant susidom\u0117jim\u0105 <\/span><span style=\"font-weight:400\">Tokenizuotas<\/span><span style=\"font-weight:400\">  Realaus pasaulio turtas, apimantis vyriausyb\u0117s obligacijas, kredito produktus ir kit\u0173 r\u016b\u0161i\u0173 turto palaikom\u0105 finansavim\u0105. <\/span><\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">&#8222;\u0160velniai tariant, galimyb\u0117 yra nema\u017ea&#8221;. <span style=\"margin:0px;padding:0px\">\u201eAnimoca\u201c vykdomasis pirmininkas Yat Sui sak\u0117 <i>I\u0161\u0161ifruoti<\/i>.<\/span> &#8222;Student\u0173 paskol\u0173 rinka vertinama ma\u017edaug 3,3 trilijono USD. Bendra vis\u0173\u201e blockchains \u201cgrandin\u0117s vert\u0117 yra apie 115 milijard\u0173 doleri\u0173.&#8221;<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">\u201eJei b\u016bt\u0173 tik 10% student\u0173 paskol\u0173 vert\u0117s, tai ma\u017edaug keturis kartus padidint\u0173 dabartin\u0119 vis\u0173 pasaulio\u201e blockchains \u201cTVL\u201c, &#8211; prid\u016br\u0117 Sui.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\"><span style=\"font-weight:400\">Pie\u0161tuk\u0173 finansavimo pozicijos \u0161vietimo paskolos yra naujos vertikal\u0117s toje platesn\u0117je kategorijoje, kuri si\u016blo ir socialin\u012f naudingum\u0105, ir investuotoj\u0173 pajamingum\u0105.<\/span><span style=\"font-weight:400\"><br \/><\/span><\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\"><span style=\"font-weight:400\">Kai studentai kreipiasi d\u0117l paskol\u0173 per \u201eErudifi\u201c, \u012fmon\u0117 moka moksl\u0105 tiesiogiai mokykloms. Tada studentai gr\u0105\u017eina \u201eErudifi\u201c \u201evaldomomis m\u0117nesin\u0117mis dalimis\u201c, pradedant nuo trij\u0173, \u0161e\u0161i\u0173, devyni\u0173 ir 12 m\u0117nesi\u0173 plan\u0173, padedant jiems \u201epusiausvyros studijoms ne vis\u0105 darbo dien\u0105 ir vengti grobuoni\u0161k\u0173 paskol\u0173\u201c,-sak\u0117 \u201ePencil Finance\u201c. <\/span><i><span style=\"font-weight:400\">I\u0161\u0161ifruoti<\/span><\/i><span style=\"font-weight:400\">.<\/span><\/p>\n<p><iframe loading=\"lazy\" style=\"border:0\" src=\"https:\/\/myriad.markets\/embed\/market\/will-revolut-announce-the-launch-of-its-own-stablecoin-by-end-of-2025-48df758a-25fb-4e97-9a5e-8fe63fd596de\" width=\"100%\" height=\"415px\"><span data-mce-type=\"bookmark\" style=\"width:0px;overflow:hidden;line-height:0\" class=\"mce_SELRES_start\">\ufeff<\/span><\/iframe><\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\"><span style=\"font-weight:400\">Kai studentai gr\u0105\u017eina gr\u0105\u017einimus, Erudifi \u201egr\u0105\u017eina l\u0117\u0161as\u201c kartu su susidom\u0117jimu per pie\u0161tuk\u0173 finansavimo platform\u0105. Tada \u0161ios gr\u0105\u017eos duoda originali\u0173 grandin\u0117s investuotoj\u0173 pajamingum\u0105.<\/span><\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\"><span style=\"font-weight:400\">\u201eA\u0161 u\u017eaugau \u0161alyje, kurioje kolegijos mokslas buvo labai prieinamas. Vald\u017eios parama rei\u0161k\u0117, kad net ma\u017eas pajamas gaunan\u010di\u0173 asmen\u0173 studentai gali t\u0119sti auk\u0161t\u0105j\u012f moksl\u0105 be skol\u0173 na\u0161tos\u201c,-pasakojo \u201ePencil Finance\u201c \u012fk\u016br\u0117jas Frankas Li \u012fk\u016br\u0117jas Frankas Li. <i>I\u0161\u0161ifruoti<\/i>. &#8222;Taip anksti a\u0161 netur\u0117jau stipraus supratimo, kaip student\u0173 paskolos gali b\u016bti kli\u016btis&#8221;. <\/span><\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Tik tada, kai Li atvyko \u012f JAV, jis sako suprat\u0119s, kokie buvo skirtingi dalykai.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">\u201eDaugelis talenting\u0173 JAV student\u0173 pasikliauja paskolomis tik nor\u0117dami baigti savo laipsnius, o kai kurie netgi atmeta pasi\u016blymus i\u0161 savo svajoni\u0173 mokykl\u0173, nes skol\u0173 na\u0161ta yra per didel\u0117\u201c, &#8211; sak\u0117 jis. &#8222;Dabar, b\u016bdamas Azijoje, ma\u010diau, kaip skiriasi ir daugeliu at\u017evilgi\u0173 blogiau &#8211; situacija yra kylan\u010diose rinkose.&#8221;<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">\u201eNetgi paj\u0117g\u016bs studentai yra u\u017erakinti, nes neturi kredito istorijos, n\u0117ra \u012fkaito ir n\u0117ra institucinio kelio\u201c, &#8211; t\u0119s\u0117 Li. &#8222;Ir kai finansavimas yra prieinamas, pal\u016bkan\u0173 normos gali siekti 20% APY, kuri\u0105 lemia pasaulinio likvidumo nesugeb\u0117jimas patekti \u012f \u0161ias rinkas.&#8221;<\/p>\n<h2 class=\"sc-b2a202e4-2 bmropA gg-dark:text-white scene:font-itc-avant-garde-gothic-pro scene:font-light\" style=\"margin-top:2em;text-align:left;padding-bottom:16px;margin-bottom:16px;border-bottom:1px solid #dfe2e4\" color=\"#333\"><span class=\"ez-toc-section\" id=\"Skolos_laipsniai\"><\/span>Skolos laipsniai<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\"><span style=\"font-weight:400\">Nors paskolos padidina trumpalaik\u0119 prieig\u0105 prie kapitalo, politikos tyrin\u0117tojai teig\u0117, kad tiesiog pasi\u016blyti mikrokredit\u0105, ypa\u010d padid\u0117jusi\u0173 pal\u016bkan\u0173 norm\u0173, gali nepakakti skolinink\u0173 prasming\u0173 ekonomini\u0173 rezultat\u0173.<\/span><\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Remiantis \u0160vietimo departamento duomenimis, JAV federalini\u0173 student\u0173 paskolos JAV turi fiksuot\u0105 6,53%pal\u016bkan\u0173 norm\u0105.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Filipinuose vyriausyb\u0117s remiama paskol\u0173 programa kadaise pasi\u016bl\u0117 \u0161eimoms naudotis student\u0173 finansavimu 5%, ta\u010diau iniciatyva, \u012fvesta pandemijos metu, buvo palaipsniui panaikinta po 2021\u201322 mokslo met\u0173.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Nuo to laiko studentai daugiausia r\u0117m\u0117si priva\u010diais skolintojais, mikrofinans\u0173 \u012fmon\u0117mis ar neoficialiais kredito teik\u0117jais, kur metin\u0117s pal\u016bkan\u0173 normos gali b\u016bti nuo 30% iki daugiau nei 100%.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\"><span style=\"font-weight:400\">Pvz., Mikroloan\u0173 normos \u0161alyje gali tur\u0117ti efektyvias metines pal\u016bkan\u0173 normas, vir\u0161ijan\u010dias 60%, kai juos i\u0161leid\u017eia privat\u016bs skolintojai <\/span><span style=\"font-weight:400\">duomenys<\/span><span style=\"font-weight:400\">  I\u0161leido Azijos pl\u0117tros banko.<\/span><\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">\u201ePencil Finance\u201c teig\u0117, kad \u201eErudifi\u201c paprastai si\u016blo pal\u016bkan\u0173 normas, pradedant nuo 1,9% per m\u0117nes\u012f, taip pat vienkartin\u012f paslaug\u0173 mokest\u012f nuo 4,5% iki 10%.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Nors apytiksliai tre\u010ddalis mokyklos, esan\u010dios tinkle, subsidijuoja pal\u016bkanas, kai kuriems studentams leid\u017eiama skolintis 0%, o standartiniai m\u0117nesio tarif\u0173 junginiai-iki ma\u017edaug 25,34%efektyvaus metinio normos, ma\u017edaug keturis kartus didesnis nei JAV<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\"><span style=\"font-weight:400\">Nors student\u0173 paskol\u0173 paklausa Filipinuose yra \u201enuoseklus ir augantis\u201c, \u201eBitskwela&#39;s Reyes\u201c pa\u017eym\u0117jo, kad paskolos bus \u201e\u012fsigytos ir valdomos ant grandin\u0117s\u201c, o tai gali tur\u0117ti \u012ftakos produkto suvokimui.<\/span><\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\"><span style=\"font-weight:400\">Grandin\u0117s student\u0173 paskolos gal\u0117t\u0173 pasi\u016blyti skaidriesn\u0119 alternatyv\u0105, ta\u010diau jie patenka \u012f rink\u0105, kurioje skolinimosi i\u0161laidos i\u0161lieka didel\u0117s ir tapo \u201ekli\u016btimi studentams\u201c,-teig\u0117 Reyesas.<\/span><\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\"><span style=\"font-weight:400\">\u201eU\u017epild\u0119 \u0161ias spragas, \u017eem\u0117lapyje gali lengvai sud\u0117ti tok\u012f produkt\u0105 kaip\u201e Pencil Finance \u201c\u201c, &#8211; prid\u016br\u0117 jis.<\/span><\/p>\n<div class=\"my-4 border-b border-decryptGridline\">\n<div class=\"text-start p-8 md:py-12 md:px-12 max-w-prose relative\"><span class=\"border-t-4 border-l-4 w-4 h-4 md:border-t-(6px) md:border-l-(6px) md:w-6 md:h-6 border-decryptPurple dark:border-decryptNeon gg-dark:border-cc-pink-2 absolute top-4 left-4 md:top-6 md:left-6\"\/><span class=\"border-t-4 border-l-4 w-4 h-4 md:border-t-(6px) md:border-l-(6px) md:w-6 md:h-6 border-decryptPurple dark:border-decryptNeon gg-dark:border-cc-pink-2 absolute rotate-180 bottom-4 right-4 md:bottom-6 md:right-6\"\/><\/p>\n<h3 class=\"font-akzidenz-grotesk font-bold text-xl md:text-3xl md:text-center gg-dark:text-white\"><span class=\"ez-toc-section\" id=\"Kasdienis_apklausa_Informacinis_biuletenis\"><\/span>Kasdienis apklausa<!-- --> Informacinis biuletenis<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Prad\u0117kite kiekvien\u0105 dien\u0105 naudodamiesi populiariausiomis naujien\u0173 istorijomis, taip pat originaliomis funkcijomis, podcast&#39;u, vaizdo \u012fra\u0161ais ir dar daugiau.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<p><a href=\"https:\/\/decrypt.co\/329244\/pencil-finance-crypto-rails-student-loans-philippines-indonesia\"> Nuoroda \u012f informacijos \u0161altin\u012f <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Trumpai \u201ePencil Finance\u201c panaudojo 1 mln. USD grandin\u0117s kapital\u0105, kad gal\u0117t\u0173 finansuoti student\u0173 paskolas Filipinuose ir Indonezijoje. Kapitalas yra padalintas&hellip;<\/p>\n","protected":false},"author":1,"featured_media":2711,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[278],"tags":[2602,110,2283,4872,1904,4873,126,4870,4555,4869,4871,127],"class_list":["post-2710","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-web3","tag-bet","tag-defi","tag-filipinuose","tag-indonezijoje","tag-kaina","tag-kokia","tag-mln","tag-panaudoja","tag-paskolas","tag-skolintojas","tag-studentu","tag-usd"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.9 - aioseo.com -->\n\t<meta name=\"description\" content=\"Trumpai \u201ePencil Finance\u201c panaudojo 1 mln. 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