PACT, the leading on-chain credit and payments infrastructure protocol on Aptos, has announced that its native token $PACT is now supported on major cryptocurrency exchanges Kraken, MEXC, and Gate. This move significantly expands global accessibility to the token, which serves as the core governance and participation layer for the protocol's decentralized community.
The announcement follows PACT's full migration to the Aptos blockchain, where it has rapidly scaled its operations. Since launching on Aptos earlier this year, PACT has facilitated more than $1.9 billion in on-chain loans through its fintech partners, with over $610 million currently active in credit. The protocol now represents approximately 77% of all real-world asset (RWA) debt activity on the Aptos network, positioning it as one of the largest private credit platforms operating on-chain within the ecosystem.
PACT's technology enables fully programmable credit infrastructure—supporting origination, servicing, repayments, covenants, waterfalls, and stablecoin settlement entirely on-chain. Unlike traditional RWA protocols that simply wrap off-chain credit in tokens, PACT embeds the entire credit system into blockchain rails. This infrastructure is currently used by fintech lenders, asset managers, and financial institutions operating across emerging markets.
"Being supported by major exchanges opens the door for more people to join PACT's community governance and contribute to the future of global credit markets. Every step like this brings us closer to a world where credit and financial access are open, transparent, natively on-chain, and available to everyone," said Zander Rafael, Co-Founder of Pact Labs.
The $PACT token empowers holders to propose, vote on, and implement protocol upgrades through the PACT DAO. It also facilitates ecosystem rewards, supports community growth, and ensures transparent management of protocol revenue and treasury resources. The token's economic utility is further reinforced through staking, which strengthens network security and aligns incentives among participants.
PACT leverages Aptos' low-latency, high-throughput architecture to deliver real-time financial operations at scale. The protocol uses Aptos token standards to represent loans as dynamic NFTs that update with repayments, modified terms, and loan closure. According to PACT, using Aptos infrastructure reduces securitization-related costs by more than 50% compared to traditional processes, thanks to transaction fees below $0.01 and sub-second finality.
The protocol's ecosystem has achieved several significant milestones over the past year, including originating 2,000+ loans per day, creating hundreds of thousands of embedded wallets through PACT SDKs, and establishing end-to-end stablecoin payroll and credit flows. Institutional custody provider BitGo supports custody for both the on-chain instruments and the off-chain collateral linked to them.
Looking ahead, PACT plans to expand into additional credit categories and regions while working on DeFi integrations and developing secondary markets for tokenized loans. The roadmap also includes a PACT Wallet and Android SDK built on Aptos' Keyless architecture, allowing users to access wallets through Apple or Google account login.
