Blog — Feb 26, 2026

PACT Enters Its Next Chapter


module aptos::a_new_era {

    /// Built for the next billion users.
    /// Onboard the world, one transaction at a time.
    public fun onboard_next_billion(): bool {
        ...
        return true;
    }

    /// Rethink value. Rebuild trust. Rewrite the rules.
    /// A new era of Aptos starts here.
    public fun enable_new_era(): bool {
        ...
        return true;
    }

    /// What’s next moves here.
    /// No hype. Just real progress.
    public fun launch_next_phase(): bool {
        ...
        return true;
    }
}

module aptos::doers {

    /// You build fast. Aptos keeps up.
    /// No downtime. No forks. Just forward momentum.
    public fun deploy_with_speed(): bool {
        ...
        return true;
    }

    /// Get help, not hype.
    /// Grants, tools, and support for real builders.
    public fun access_builder_support(): bool {
        ...
        return true;
    }

    /// Tools that work. Docs you can trust.
    /// Build with clarity and confidence.
    public fun use_production_tooling(): bool {
        ...
        return true;
    }

    /// Push to mainnet. Trust the infrastructure.
    /// Aptos is made for developers who ship.
    public fun push_to_mainnet(): bool {
        ...
        return true;
    }
}

module aptos::quietly_excellent {

    /// Quiet execution. Reliable outcomes.
    /// Aptos stays out of the way, so you can move forward.
    public fun verify_infrastructure_integrity(): bool {
        ...
        return true;
    }

    /// Break ground. Not trust.
    /// Built-in performance you can validate.
    public fun ensure_audit_readiness(): bool {
        ...
        return true;
    }

    /// Built to work. Designed to last.
    /// Engineered for stability, not spectacle.
    public fun maintain_network_stability(): bool {
        ...
        return true;
    }
}

module aptos::performance_first {

    /// Sub-second finality. Scales to millions of users.
    /// Designed for performance at any load.
    public fun handle_high_throughput(): bool {
        ...
        return true;
    }

    /// Built for scale. Maintains performance under pressure.
    /// Modular beneath. Seamless above.
    public fun scale_modularly(): bool {
        ...
        return true;
    }

    /// Upgrade without disruption.
    /// Keep building, even while evolving.
    public fun upgrade_without_downtime(): bool {
        ...
        return true;
    }
}

module aptos::ecosystem_energy {

    /// Move what matters, together.
    /// A growing network of builders and believers.
    public fun grow_with_ecosystem(): bool {
        ...
        return true;
    }

    /// Real support. Real partners. Shared momentum.
    /// An ecosystem that grows with you.
    public fun launch_with_partners(): bool {
        ...
        return true;
    }

    /// Cross-chain. Cross-border. Cross-culture.
    /// Connect across Web3, securely and simply.
    public fun connect_across_networks(): bool {
        ...
        return true;
    }
}

Global credit is a $300 trillion market, and it's barely scratched the surface of on-chain adoption. While the industry has grown rapidly, less than 1% of global credit currently exists on blockchain rails. That gap represents an enormous opportunity, and PACT has emerged as one of the protocols best positioned to close it.

Since launching on Aptos earlier this year, PACT has facilitated over $1.9 billion in total on-chain loans with more than $610 million currently active. Pact accounts for roughly 77% of all RWA debt activity on Aptos, making it the chain's dominant player in RWAs.

The PACT token is now live on some of the world’s most trusted and widely-used cryptocurrency exchanges, and is fully deployed on Aptos.

What PACT Does

PACT provides fully on-chain credit rails from lender to borrower. Not just wrapped tokens minted on-chain, but the actual infrastructure to power global finance at scale. Licensed lenders use the protocol to originate, securitize, and service loans entirely on-chain. No more fragmented spreadsheets and manual workflows. Originators get standardized loan data, transparent investor reporting, and automated servicing, all running on chain.

The mechanics are worth understanding. PACT utilizes Aptos' flexible token standards to represent loans as dynamic NFTs that evolve throughout their lifecycle, reflecting repayments, term changes, and eventual closure. BitGo provides institutional custody for both these on-chain instruments and the off-chain collateral backing them. Compliant, programmable assets plus institutional-grade custody. That's what makes PACT credible to serious capital allocators.

PACT enables end-to-end stablecoin flows throughout the entire credit cycle. From capital deployment to repayment, USD-backed stablecoins like USDT move on-chain, putting dollars in the hands of people who actually need them. For the unbanked and those relying on remittances, this means secure, cheap, and fast access to capital that traditional banking has never provided.

The result is real cost reduction. By eliminating intermediaries and automating operations on Aptos with transaction fees at a fraction of a penny, PACT cuts expenses by over 50% compared to traditional securitization. For lenders in emerging markets, where capital access has historically been constrained, this efficiency translates directly into expanded reach and better terms for borrowers.

Why Aptos

PACT chose Aptos for practical reasons. When you're handling institutional credit, real loans to real businesses, performance and reliability matter. Aptos delivers sub-second finality (650ms), enabling T+0 settlement that traditional finance simply can't match. Transaction fees run far below $0.01, making high-frequency loan operations economically viable. And Move-based smart contracts provide the security guarantees that institutional partners require.

The choice has been validated externally. Boston Consulting Group named Aptos a top chain for RWAs in their 2025 report, crediting PACT as a core driver of that growth. Dune Analytics and RWA.xyz both recognized PACT as a leader in their private credit rankings and these aren't vanity metrics, they reflect genuine traction with the institutions that matter.

PACT Token Deployment Unlocks

PACT's token deployment introduces the PACT token onto Aptos, which will be serving two primary functions: governance and incentive alignment.

On governance, token holders will participate in decisions about protocol parameters, fee structures, and treasury management. As PACT scales into new markets and asset classes, decentralized decision-making becomes essential, no single entity should control infrastructure that handles billions in credit.

On incentives, the token creates alignment between lenders, investors, and the broader ecosystem. Protocol revenues from origination, securitization, and servicing feed a fee-driven value accrual model.

As loan volume grows, so does the value captured by the protocol and its participants.

What Comes Next

PACT isn't standing still. The roadmap includes expansion into new credit verticals and geographies, deeper DeFi composability, and development of secondary markets for tokenized loans. A new PACT Wallet and Android SDK are in the works, built on Aptos Keyless architecture which lets users login to their wallets using their Apple or Google accounts.

The broader market opportunity remains massive. With only $17 billion in credit currently tokenized out of a $300 trillion market, the runway for growth is substantial.

The Bottom Line

PACT has already proven what's possible when institutional credit meets modern blockchain infrastructure. The token deployment on Aptos and listing on leading global exchanges marks the transition from proof-of-concept to community-governed protocol. For those tracking the intersection of RWAs and DeFi, it's a milestone worth paying attention to.

Experiment.
Launch.
Scale.

Get Started

public fun ignite_chain_reaction(): bool {
    // Spark innovation
    // Fuel momentum
    // Chain it with Aptos
    return true;
}


public fun deploy_with_confidence(): bool {
    // Test it
    // Ship it
    // Trust Aptos to scale it
    return true;
}


public fun empower_creators_on_aptos(): bool {
    // Tools for builders
    // Freedom for creators
    // Power by Aptos
    return true;
}


public fun redefine_possibilities(): bool {
    // Break limits
    // Build freely
    // Launch globally on Aptos
    return true;
}


public fun grow_without_limits(): bool {
    // No ceilings
    // No bottlenecks
    // Just Aptos performance
    return true;
}


public fun connect_across_chains(): bool {
    // Interoperability
    // Security
    // Aptos at the core
    return true;
}


public fun code_scale_repeat(): bool {
    // Code smart
    // Scale fast
    // Repeat with Aptos
    return true;
}


public fun onboard_the_next_billion(): bool {
    // Real users
    // Real speed
    // Onboard the world with Aptos
    return true;
}


public fun ignite_chain_reaction(): bool {
    // Spark innovation
    // Fuel momentum
    // Chain it with Aptos
    return true;
}


public fun deploy_with_confidence(): bool {
    // Test it
    // Ship it
    // Trust Aptos to scale it
    return true;
}


public fun empower_creators_on_aptos(): bool {
    // Tools for builders
    // Freedom for creators
    // Power by Aptos
    return true;
}


public fun redefine_possibilities(): bool {
    // Break limits
    // Build freely
    // Launch globally on Aptos
    return true;
}


public fun grow_without_limits(): bool {
    // No ceilings
    // No bottlenecks
    // Just Aptos performance
    return true;
}


public fun connect_across_chains(): bool {
    // Interoperability
    // Security
    // Aptos at the core
    return true;
}

public fun ignite_chain_reaction(): bool {
    // Spark innovation
    // Fuel momentum
    // Chain it with Aptos
    return true;
}


public fun deploy_with_confidence(): bool {
    // Test it
    // Ship it
    // Trust Aptos to scale it
    return true;
}


public fun empower_creators_on_aptos(): bool {
    // Tools for builders
    // Freedom for creators
    // Power by Aptos
    return true;
}

public fun ignite_chain_reaction(): bool {
    // Spark innovation
    // Fuel momentum
    // Chain it with Aptos
    return true;
}


public fun deploy_with_confidence(): bool {
    // Test it
    // Ship it
    // Trust Aptos to scale it
    return true;
}


public fun empower_creators_on_aptos(): bool {
    // Tools for builders
    // Freedom for creators
    // Power by Aptos
    return true;
}


public fun redefine_possibilities(): bool {
    // Break limits
    // Build freely
    // Launch globally on Aptos
    return true;
}


public fun grow_without_limits(): bool {
    // No ceilings
    // No bottlenecks
    // Just Aptos performance
    return true;
}


public fun connect_across_chains(): bool {
    // Interoperability
    // Security
    // Aptos at the core
    return true;
}


public fun code_scale_repeat(): bool {
    // Code smart
    // Scale fast
    // Repeat with Aptos
    return true;
}


public fun onboard_the_next_billion(): bool {
    // Real users
    // Real speed
    // Onboard the world with Aptos
    return true;
}


public fun ignite_chain_reaction(): bool {
    // Spark innovation
    // Fuel momentum
    // Chain it with Aptos
    return true;
}


public fun deploy_with_confidence(): bool {
    // Test it
    // Ship it
    // Trust Aptos to scale it
    return true;
}


public fun empower_creators_on_aptos(): bool {
    // Tools for builders
    // Freedom for creators
    // Power by Aptos
    return true;
}


public fun redefine_possibilities(): bool {
    // Break limits
    // Build freely
    // Launch globally on Aptos
    return true;
}


public fun grow_without_limits(): bool {
    // No ceilings
    // No bottlenecks
    // Just Aptos performance
    return true;
}


public fun connect_across_chains(): bool {
    // Interoperability
    // Security
    // Aptos at the core
    return true;
}

About

Ecosystem

Build

PACT Enters Its Next Chapter

What PACT Does

Why Aptos

PACT Token Deployment Unlocks

What Comes Next

The Bottom Line

Related Articles.

What is x402? The Payment Protocol for AI Agents on Aptos

Juicyway Integrates Aptos to Power Cross-Border Settlements Across Africa

Decibel Builder Codes: Opening Up the Onchain Trading Engine

Aptos Tokenomics Update: Moving to Performance-Driven Supply Mechanisms

Echelon Market: A Core Lending Layer of Move DeFi Completes Token Launch

2025 Was Building the Rails; 2026 Will Prove Why They Matter

India: Where Web3 Ambition Meets Real-World Scale

The New Aptos Tech Stack: Innovation-Forward, Ecosystem-First

Experiment.
Launch.
Scale.

PACT Enters Its Next Chapter

What PACT Does

Why Aptos

PACT Token Deployment Unlocks

What Comes Next

The Bottom Line

Related Articles.

What is x402? The Payment Protocol for AI Agents on Aptos

Juicyway Integrates Aptos to Power Cross-Border Settlements Across Africa

Decibel Builder Codes: Opening Up the Onchain Trading Engine

Aptos Tokenomics Update: Moving to Performance-Driven Supply Mechanisms

Echelon Market: A Core Lending Layer of Move DeFi Completes Token Launch

2025 Was Building the Rails; 2026 Will Prove Why They Matter

India: Where Web3 Ambition Meets Real-World Scale

The New Aptos Tech Stack: Innovation-Forward, Ecosystem-First

Experiment. Launch. Scale.

Experiment.
Launch.
Scale.