PACT Finance PACTPrice $ 0.0000565

PACT Finance is a decentralized finance protocol focused on on-chain lending, securitization, and private credit, primarily targeting emerging markets to expand access to credit. It operates the PACT token, a permissioned smart-contract platform that enables loan origination, payments, warehousing, and securitization fully on-chain. Built initially on blockchains like Celo and later migrated to Aptos for scalability, it standardizes loan data (loan tapes), tracks ownership, facilitates asset-based lending, and manages credit funds through tokenization of loans, facilities, and funds.

The protocol connects borrowers with global capital, provides transparent real-time visibility into loan performance, and reduces intermediaries for lower costs.Users include licensed lenders, fintechs, credit originators in emerging markets, investors seeking tokenized private credit, and borrowers gaining access to credit via mobile/internet. The $PACT token governs the DAO structure, enables staking (including vePACT for locked governance and fee accrual), and captures value through protocol fees used for buybacks/burns. Key mechanics involve on-chain issuance and management of financial assets, automated servicing, programmatic enforcement of lending rules, and integration with partners for risk management and origination.