Ushering in the Future of On-Chain Credit
This isn’t just another blockchain integration—it’s a transformation that makes credit markets faster, more transparent, and more efficient for borrowers, lenders, and institutional investors worldwide.
Unlocking Greater Financial Inclusion for 6 Billion People
The PACT Protocol enables fintech lenders, institutional investors, and capital market participants to issue, manage, and securitize loans directly on-chain, reducing costs and expanding access to global credit markets.
The scale of the impact is immense: over 85% of the global population lack access to traditional financial services. On-chain credit could unlock financial inclusion for 6 billion people.
Why Aptos? The Ideal Blockchain for Digital Finance
PACT chose Aptos for the network’s institutional-grade infrastructure, scalability and adoption in the financial sector. With support for native USDC and USDT, high profile integrations, and the ability to handle ultra high volume—Aptos is the network for seamless money movement.
Unmatched Performance and Speed: Aptos delivers sub-second finality and can handle hundreds of millions of transactions per day, which is critical for managing high-volume microloans. In August, the network set a new Layer 1 record by processing 326 million transactions in a single day—without failures, delays, or gas fee spikes. Even with this volume, the network remained well below its full capacity.
Cost Efficiency at Scale: Despite its high throughput, the Aptos Network maintains very low gas fees, with the average transaction costing a fraction of a penny—making it up to 100 times more cost-efficient than other prominent L1s.
Security from the Ground Up: Aptos is built on Move, a security-first programming language designed to prevent re-entrancy attacks and enhance contract safety. Additionally, PACT Protocol utilizes BitGo for custody and compliance, the preferred security and operational backbone for more than 1,500 institutional clients in 50 countries.
Built to Support Global Financial Systems: Aptos is the first Move-based blockchain to support top stablecoins USDC and USDT, simplifying integrations with financial institutions. Its track record of adoption by Bitwise, Franklin Templeton, BlackRock, and BrevanHoward highlights its credibility in real-world asset tokenization. With seamless compatibility with DeFi applications, Aptos enables frictionless movement of digital credit across financial ecosystems.
What’s Next for PACT on Aptos?
The PACT Protocol is officially migrating, and with it, the PACT token will transition to the Aptos Network. Here’s what users can expect:
All existing PACT holders will have the opportunity to migrate their tokens to Aptos via an official 1:1 token bridge. The bridge will be available soon, with clear instructions provided.
While the Celo PACT token will continue to support ongoing initiatives, future governance and ecosystem development will take place on Aptos as PACT transitions to its upgraded token.
Community members who participate in the migration will be able to take full advantage of Aptos’ enhanced infrastructure, broader institutional adoption, and continued ecosystem growth.
This move marks a significant milestone in the evolution of global finance, demonstrating how blockchain technology can unlock new levels of accessibility, efficiency, and trust in credit markets. With PACT’s established lending model and Aptos’ cutting-edge infrastructure, we’re seeing the foundation for a more inclusive and scalable financial system that meets the needs of a digitally connected world.