Payroll & Credit
Infrastructure
for Neobanks

The full stablecoin stack for established fintechs. Access debt financing, embedded wallets, and Visa spend cards.

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Payactiv wallet app with the Payactiv Visa debit card
Trusted by

One Stack for Fintechs

One partner for capital, wallets, and spending cards. Easy integration with a team that builds and deploys with you.

PayactivCustomer story

Powering Payactiv’s New Early Pay Card

Payactiv is the pioneer in early pay and powers 53% of U.S. payroll. PACT and Tether partnered with Payactiv to offer early pay for millions of American workers.

100%Of net pay
$2,504Avg. biweekly pay
Payactiv Crypto Wallet notification: You just got paid. Upgrading Payday for 2M+ Americans

Stablecoin Adoption Made Easy

Decrease build hours and increase user conversions with our unified stack.

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One unified ledger

Gasless wallets

Passkey onboarding

Social recovery

On/off-ramps

Tokenization

A New Source of Debt Capital

Tether, the company behind the world’s most used stablecoin, is an investor in PACT and backs our partners with significant capital. Instant settlement and stablecoins also maximize capital efficiency so you can increase utilization while lowering cost of capital.

Credit Facilities →
$500MAvailable for global private creditUSDT & USAT
$1.5MDeployed through PACT
In partnership withTetherLead investor in PACT’s $7M Series A

In the News

Who We Work With

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Payroll platformsPay employees in stablecoins or USD, straight to a wallet and card.
Payroll deposit
USAT+2,504.00
Acme Corp · BiweeklyReceived
Earned wage access appsLet workers access earned wages before payday, free.
Available now$1,240.00
Earned so farPayday in 7 days
Fintech lendersFund loan books and credit lines with a stablecoin credit facility.
Your Brand
SIGNATUREVisa

Built for Developers & Enterprises

APIs & SDKs

Drop wallets, Visa cards, and debt capital into your product as ready-made building blocks.

Bespoke solutions

For programs that need something custom, our team scopes, builds, and launches alongside yours.

Integrate Stablecoins into Your Fintech

We’ll walk you through the products and capital options that fit your program.

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