- PACT has moved to Aptos and has processed nearly $2 billion in on-chain loans and has over $600 million in active credit.
- This represents over 75% of the network’s tokenized debt volume, and we plan to introduce additional services in the coming months.
PACT has migrated to the Aptos blockchain. scale On-chain credit services for the $300 trillion global credit market. This move places PACT’s lending and servicing infrastructure directly on Aptos, which now handles large volumes of tokenized credit activity tied to real-world assets.
According to the numbers, PACT has facilitated over $1.9 billion in on-chain loans since its launch on Aptos earlier this year, with over $610 million currently in effect. This protocol accounts for approximately 77% of real-world asset liability activity on the Aptos network. These numbers make PACT one of the largest private credit platforms operating on-chain within the Aptos ecosystem.
PACT has fully migrated to Aptos, locking billions in facilitated loans and millions of active on-chain credits directly on the network.
Aptos Labs is proud to be a Day 1 strategic and technology partner to help @pact_labs accelerate token-based finance on its global trading engine. https://t.co/2QewaJ4Cxr
— Aptos Labs (@AptosLabs) February 27, 2026
The PACT token is now fully implemented on Aptos and available on major cryptocurrency exchanges. This deployment marks a new phase for the protocol as it adds token-based governance and ecosystem incentives to the credit infrastructure. At the same time, this transition supports Aptos Labs’ strategy to grow token-based finance through partnerships focused on real-world use cases.
PACT’s core model is built around a complete on-chain credit rail that connects lenders and borrowers. Licensed lenders use this protocol to originate, securitize, and service loans on-chain.
CNF reported Previously, the Aptos Foundation had proposed changes to the tokenomics model to reduce the supply of APT through reduced emissions and increased token burn.
PACT expands tokenized credit operations with Aptos
PACT uses the Aptos token standard to represent loans as dynamic NFTs that change over time. These on-chain assets may reflect repayments, loan term changes, and loan terminations. As an institutional custody provider, BitGo supports the custody of both on-chain products and their linked off-chain collateral.
The protocol facilitates stablecoin payment flows in the lending process, with capital deployment and repayments handled through USD stablecoins. This framework allows borrowers and lenders to borrow quickly and minimize transaction costs.
PACT states that using Aptos infrastructure reduces securitization-related costs by more than 50% compared to traditional processes. The protocol cites Aptos’ transaction fees of less than $0.01 and finality of less than 1 second, which it leverages to support frequent loan repayment actions and fast settlements. 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 geographies while working on DeFi integration and the secondary market for tokenized loans. The roadmap also includes a PACT wallet and Android SDK built on the network’s keyless architecture, allowing users to access the wallet through Apple or Google account logins.
Late last year, CNF reported Aptos says it has introduced AIP-137, the first post-quantum signature scheme proposal to prepare for future quantum computing risks. This proposal adds new signature options without requiring users to migrate from their current Ed25519 scheme.
