Siu highlighted the $3 trillion global student loan market as an untapped opportunity for DeFi growth.Moving even 10% of student loans onchain could quadruple the Total Value Locked (TVL) in DeFi.Web3-based education finance could be a gateway for crypto adoption, especially among the unbanked.Animoca's investment in Pencil Finance, offering blockchain-based student loans, aims to expand into the U.S. with a $10 million initiative.