Tokenized Credit Facilities

Automate collateral management, perfect security interests, and streamline portfolio operations.

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PACT credit facility dashboard: borrowing base, surplus, advance rate and limits
Used by fintechs & asset managers
3.7MReceivables on platform
$1.9BValue on platform
$45MAUM on platform
1.2MPartner users reached
Customer story

From Bicycles to Motorbikes

Roda finances motorbikes for Venezuelan migrants delivering food in Colombia, through a credit facility that runs entirely on PACT.

40%Lower borrower APRs
3XMore loans issued
WeeklyWaterfall cadence
2–3XIncome lift
A Roda customer delivering with a Rappi bag, with notifications for a completed delivery and a repaid moto-loan

Tokenized at Every Layer

ReceivablesOriginator receivables recorded and serviced on-chain.
Credit facilitiesSenior and junior tranches with automated borrowing bases.
Credit fundsPooled capital with on-chain positions and distributions.
SecuritizationsTokenized notes backed by verified collateral pools.

Automate Core Agency Functions

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30+ DPD by vintage● Facility frozen · covenant breach
0%2%4%6%8%10%Covenant limit 8%Month 0Month 7
JanFebMarAprMay
Validated at the sourceLive connection
Lender core ledger+ collection account
Verification agentPACT
Receivable$4,200.00CheckingVerified
Payment$1,850.00CheckingMatched
Payment$3,975.00CheckingLeakage flag
73%Effective advance rate
Eligible borrowing base$4,506,353
Surplus$1,319,924
Borrow limit 80%Cure limit 90%
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Works Like the ABL Facility You Already Have

Same structure and the same integration. The only difference is how it’s recorded and settled.

What stays the same
Credit agreement and covenants
Borrowing base and advance rates
Payment waterfall
Loan tape and reporting
What’s different
Funded and repaid in stablecoins
Recorded on a blockchain
Rules enforced by smart contracts
Settles 24/7

Add Stablecoins to Your Capital Stack

We’ll spend 30 minutes walking you through a facility for your book.

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