Not a DeFi ponzi.
Not another âmodular settlement layer.â
@pactconsortium is going after something real - making lending work in emerging markets.
And it's happening on $APT @Aptos đ
Emerging markets have massive fintech potential, but a $5.2T credit gap is holding them back.
Broken infrastructure, costly securitization, and limited access to credit stop growth.
Fixing this could add $3.7T to GDP and lift 95M people out of poverty
"Lending to these markets aren't easy"
You're right about that - lending to these markets requires:
â Complex SPVs
â Expensive auditors
â Middlemen everywhere
â High fixed costs
This just doesnât scale for $5k or $10k loans.
@pactconsortium bridges that gap.
Hereâs what caught Pill's eye with @pactconsortium
âą Loans issued + tracked transparently on Aptos
âą NFTs represent each loan for clear ownership
âą Securitisation built into the protocol
âą Tranching = risk can be sliced and distributed
Itâs actually a full lending infra stack.
Checking out Aptos' RWA state on @RWA_xyz
@pactconsortium has stood out as one of the top 3 protocols in the RWA sector, even larger than Securitize's BUIDL and Franklin Templeton's BENJI
"are you sure the loans are safe?"
With the recent @BitGo integration, the dynamic NFTs (representing loan agreements) receive institutional custody
The future of credit isn't coming, it's already onchain.
BitGo now secures dynamic NFTs on @Aptos, powering tokenized loan agreements via @pactconsortium.
These aren't your every day JPEGs, these NFTs evolve with each repayment, resale, or refinance.
đ Originate
đ Repay
đ Trade
đ„ Close
All secured by BitGo.
Learn more:
The $PACT token is used for governance (via vePACT), staking rewards, protocol fee sharing, treasury control, and user incentives.
You can stake to earn vePACT, vote on proposals, earn revenue share, and drive inclusive finance through rewards for responsible borrowing.
And if you're starting out, they've got a learn-to-earn campaign, in collaboration with @PetraWallet (like the gateway to Aptos eco) đ
If youâre exploring Aptos and want more than just meme coins or copy-paste AMMsâŠ
This is worth watching.
Itâs one of the more thoughtful attempts at merging real-world finance with on-chain execution
Iâll be keeping an eye on @pactconsortium as things evolve.
If they nail distribution + risk modelling, this could be a serious backbone for on-chain credit in the Global South and beyond.
Letâs see how it plays out!
Sharing this on-chain credit lending on Aptos â
@monosarin
@0xAndrewMoh
@CryptoShiro_
@poopmandefi
@0xelonmoney
@eli5_defi
@marvellousdefi_
@0xCheeezzyyyy
@crypto_linn
@YashasEdu
@CipherResearchx
@splinter0n
@TweetByGerald
@CryptoGideon_
@belizardd
@lenioneall
@FabiusDefi
@St1t3h
@the_smart_ape
@cryppinfluence
@TheDeFiPlug
@0xMrDiaz
@defi_mago
@0xDefiLeo
@kenodnb
@bullish_bunt
@AlwaysBeenChoze
@Mars_DeFi
@nursexxl
@0xTindorr
@Tanaka_L2
@PenguinWeb3
What are your thoughts?
Thanks for reading till the end, hope you enjoyed it!
Disclaimer: All opinions expressed remain objective, and are for informational and/or entertainment purposes only. NFA, as always DYOR.
I will be diving deeper and sharing more alpha along the way!
5Â k
0
Le contenu de cette page est fourni par des tiers. Sauf indication contraire, OKX nâest pas lâauteur du ou des articles citĂ©s et ne revendique aucun droit dâauteur sur le contenu. Le contenu est fourni Ă titre dâinformation uniquement et ne reprĂ©sente pas les opinions dâOKX. Il ne sâagit pas dâune approbation de quelque nature que ce soit et ne doit pas ĂȘtre considĂ©rĂ© comme un conseil en investissement ou une sollicitation dâachat ou de vente dâactifs numĂ©riques. Dans la mesure oĂč lâIA gĂ©nĂ©rative est utilisĂ©e pour fournir des rĂ©sumĂ©s ou dâautres informations, ce contenu gĂ©nĂ©rĂ© par IA peut ĂȘtre inexact ou incohĂ©rent. Veuillez lire lâarticle associĂ© pour obtenir davantage de dĂ©tails et dâinformations. OKX nâest pas responsable du contenu hĂ©bergĂ© sur des sites tiers. La dĂ©tention dâactifs numĂ©riques, y compris les stablecoins et les NFT, implique un niveau de risque Ă©levĂ© et leur valeur peut considĂ©rablement fluctuer. Examinez soigneusement votre situation financiĂšre pour dĂ©terminer si le trading ou la dĂ©tention dâactifs numĂ©riques vous convient.