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PACT infrastructure enables fintechs and asset managers to access stablecoin capital, manage repayment flows, and scale lending operations across borders. Unlike projects focused on wrapping large institutional loans, PACT rebuilt the loan origination and management technology stack from the ground up. This approach reduces reliance on traditional intermediaries, lowers the cost of capital, reduces the risk of certain kinds of fraud, and expands access to credit, unlocking high-frequency lending and microcredit at scale. PACT provides the infrastructure loans to be issued and repaid in stablecoins. Now, everyone who borrows money has a wallet and is seamlessly onboarded into the crypto economy. This provides the backbone that enables fintechs transition into stablecoin-powered financial institutions, advancing both stablecoin adoption and the modernization of global lending. Deployed to Aptos in February 2025, PACT has quickly become one of the premier real-world asset issuance platforms globally.