Instant & Global Payroll

Pact and Payactiv have joined forces to build the most powerful distribution channel for stablecoin adoption

Instant & Global Payroll

Pact and Payactiv have joined forces to build the most powerful distribution channel for stablecoin adoption

Instant & Global Payroll

Pact and Payactiv have joined forces to build the most powerful distribution channel for stablecoin adoption

Get in touch

60 %

of U.S. workers live paycheck to paycheck

PayActiv

PACT upgrades payroll from a bi-weekly event to an on-demand asset

Get in touch

80 %

of these workers prefer access to earnings as they earn them

PayActiv

Instead of taking on predatory short-term debt, workers get instant 24/7 Earned Wage Access via stablecoins

See us on rwa.xyz

Redefining Earned Wage Access (EWA)

Legacy Methods

Delays in wage access cost cash-constrained consumers $12.1 billion in overdraft fees in 2024 alone

Workers sending money abroad face a global average 6.5% transaction fee and days of transit delays

The $10 trillion US payroll market leaves earned capital sitting idle on the balance sheet while workers wait for processing

Stablecoin-powered Earned Wage Access allows workers to instantly draw and put wages to work 24/7/365 at minimal cost

Workers can draw wages early as USAT and remit funds globally in seconds for mere pennies, all directly in the Payactiv app

Trapped balance-sheet converts into tokenized receivables, slashing costs for real-time wage access through stablecoin infrastructure

$10 Trillion

In annual US payroll sitting idle on corporate balance sheets

$12 Billion in fees

Due to overdraft from cash-constrained workers who couldn't access earned wages

$10 Trillion

In annual US payroll sitting idle on corporate balance sheets

$12 Billion in fees

Due to overdraft from cash-constrained workers who couldn't access earned wages

$10 Trillion

In annual US payroll sitting idle on corporate balance sheets

$12 Billion in fees

Due to overdraft from cash-constrained workers who couldn't access earned wages

60 %

of U.S. workers live paycheck to paycheck

PayActiv

PACT upgrades payroll from a bi-weekly event to an on-demand asset.

Instead of taking on predatory short-term debt, workers get instant 24/7 Earned Wage Access via stablecoins

80 %

of these workers prefer access to earnings as they earn them

PayActiv

Payroll Partners

Payactiv

EWA

Payactiv invented and scaled Earned Wage Access, helping millions of Americans and thousands of US businesses.

CUSTODY + BANKING

The world's leading digital asset custody solution. BitGo provides cash and digital asset custody for the PACT ecosystem.

CUSTODY + BANKING

TRANSFER AGENT

A subsidiary of BitGo, Brassica serves as the licensed payment and transfer agent for secondary transactions on PACT.

BSFG

CAPITAL PROVIDER

As a wholesale lender, BSFG helps structure and administer financing facilities for originators in the ecosystem.

PAYMENTS

The world's largest stablecoin by every metric. Tether offers an international payment service for PACT stakeholders.

CAPITAL PROVIDER

An SEC registered investment advisor. Tiberia helps bring US capital into emerging market credit.

Tiberia

CAPITAL PROVIDER

An SEC registered investment advisor. Tiberia helps bring US capital into emerging market credit.

Get in touch

We’d love to hear from you.

Get in touch

We’d love to hear from you.

60 %

of U.S. workers live paycheck to paycheck

PayActiv

PACT upgrades payroll from a bi-weekly event to an on-demand asset

Get in touch

80 %

prefer access to earnings as they earn them

PayActiv

Instead of taking on predatory short-term debt, workers get instant 24/7 Earned Wage Access via stablecoins