What Pact Delivers
Four agreement primitives — loan products, P2P loans, factoring, escrow — each a Daml contract you can read before you sign.
Template the offer once — Fixed-term, Balloon (interest-only), or Amortising — then publish it on-chain. Borrowers request against the template; terms can't drift.
Bilateral loans with pledged collateral. Configurable LTV, liquidation threshold, grace period and penalty rate — all enforced by Daml on every state transition.
Suppliers convert approved invoices to cash on demand. Factors get fraud-proof, uniquely-identified receivables — no double-financing risk by construction.
Asset lockup gated by a configurable governor quorum. Approvals, releases and top-ups are signed events on the ledger — no out-of-band tickets, no email approvals.
Set a signature threshold across named governors. Default-on-claim, top-up requests, and collateral release all route through the same multi-sig primitive.
Liquidations bounty engine triggers when LTV breaches threshold. Recovery flow is the same Daml contract as origination — no extra workflow to test or audit.
Who Pact Is For
Originate B2B credit to suppliers and counterparties with pledged collateral. Atomic settlement closes the AR/AP loop on the same ledger as the loan.
Underwrite peer-to-peer loans against tokenised collateral — Treasuries, RWA, CBTC, Canton Coin. Terms are public on the ledger; settlement is atomic.
Tap credit on transparent terms. Pledge collateral, draw funds, repay on EMI or balloon schedules — every milestone visible to you and the lender, no one else.
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Pact shares its Daml lending core with Loch (pooled liquidity) and Coffer (vault & yield). One engine, three product surfaces — built for institutional financing on Canton Network.
Principal
50,000 CC
APR
8.00%
Collateral
1.5 CBTC
LTV
62%