PACT Launches on Aptos to Scale On-Chain Credit in the $300 Trillion Global Market

• PACT has moved to Aptos, processing nearly $2 billion in on-chain loans and holding over $600 million in active credit.
• It represents more than 75% of the network’s tokenized debt volume and plans to introduce additional offerings in the coming months.

PACT has migrated to the Aptos blockchain to scale on-chain credit services for the $300 trillion global credit market. The move places PACT’s lending and servicing infrastructure directly on Aptos, where it is now handling large volumes of tokenized credit activity tied to real-world assets.

According to the figures, PACT has facilitated more than $1.9 billion in on-chain loans since launching on Aptos earlier this year, with over $610 million currently active. The protocol accounts for about 77% of real-world asset debt activity on the Aptos network. These figures place PACT among the largest private credit platforms operating on-chain within the Aptos ecosystem.

The PACT token is now fully deployed on Aptos and available on major cryptocurrency exchanges. The rollout marks a new phase for the protocol as it adds token-based governance and ecosystem incentives to its credit infrastructure. At the same time, the migration supports Aptos Labs’ strategy to grow token-based finance through partnerships focused on real-world use cases.

PACT’s core model is built around fully on-chain credit rails connecting lenders and borrowers. Licensed lenders use the protocol to originate, securitize, and service loans on-chain. 

CNF reported previously that the Aptos Foundation proposed changes to the tokenomics model to make lower APT supply through lower emissions and higher token burns. 

PACT to Expand Tokenized Credit Operations on Aptos

PACT uses Aptos token standards to represent loans as dynamic NFTs that change over time. These on-chain assets can reflect repayments, modified loan terms, and loan closure. Institutional custody provider BitGo supports custody for both the on-chain instruments and the off-chain collateral linked to them.

The protocol facilitates stablecoin payment flows in lending processes, where capital is deployed and repayments are processed through USD stablecoins. This framework enables faster borrowing and minimization of transaction costs by borrowers and lenders.

PACT states that using Aptos infrastructure reduces securitization-related costs by more than 50% compared with traditional processes. The protocol cites Aptos transaction fees below $0.01 and sub-second finality, which it uses to support frequent loan servicing actions and faster settlement. Aptos’ Move-based smart contract framework is also part of the platform’s operating model for asset management and transaction execution.

PACT plans to expand into additional credit categories and regions while working on DeFi integrations and secondary markets for tokenized loans. The roadmap also includes a PACT Wallet and Android SDK built on the network’s Keyless architecture, allowing users to access wallets through Apple or Google account login.

Late last year, CNF reported that Aptos introduced AIP-137, a proposal for its first post-quantum signature scheme to prepare for future quantum computing risks. The proposal adds a new signature option without requiring users to migrate from the current Ed25519 scheme.