Not a DeFi ponzi. Not another “modular settlement layer.” @pactconsortium is going after something real - making lending work in emerging markets. And it's happening on $APT @Aptos 👇

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: ❌ Complex SPVs ❌ Expensive auditors ❌ Middlemen everywhere ❌ High fixed costs This just doesn’t scale for $5k or $10k loans. @pactconsortium bridges that gap.

Here’s what caught Pill's eye with @pactconsortium • Loans issued + tracked transparently on Aptos • NFTs represent each loan for clear ownership • Securitisation built into the protocol • Tranching = risk can be sliced and distributed It’s 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 $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) 👇

If you’re exploring Aptos and want more than just meme coins or copy-paste AMMs… This is worth watching. It’s one of the more thoughtful attempts at merging real-world finance with on-chain execution

I’ll 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. Let’s see how it plays out!

Sharing this on-chain credit lending on Aptos ↓ @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!