Pact Labs is a decentralized financial infrastructure platform and real-world asset protocol specializing in asset-based lending and credit tokenization. The company provides institutional originators and global enterprises with a compliant on-chain framework to manage loan books, debt facilities, and securitizations using stablecoins. By integrating legal templates that align with local regulations, the platform bridges the gap between traditional venture debt and decentralized liquidity, drastically reducing the operational costs associated with cross-border credit funds.In addition to its core private credit products, the protocol actively develops blockchain payroll infrastructure to enable global earned wage access. Following a recent strategic financing round led by Tether, the ecosystem expanded its capabilities to allow workers to receive their earnings instantly via stablecoins. Governed by the PACT token, the platform combines transparent on-chain audit trails with automated lending mechanisms to foster financial inclusion and modernize everyday business transactions.

July 14, 2026 Tether leads $7 million Series A in Pact Labs to expand USA₮ across payroll and payments.

Pact Labs

Pact Labs is an on-chain credit and RWA protocol providing stablecoin infrastructure for asset-based lending, venture debt, and payroll payments.

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Tether has led a $7 million Series A round in Pact Labs, joined by Blockchange Ventures and Lasagna, to integrate USA₮ into U.S. payroll, earned wage access and everyday payments infrastructure, targeting real-time wage movement and reduced reliance on legacy rails.

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Tether leads $7M Series A in Pact Labs to push USA₮ into U.S. payroll and payments