Case study · DeFi · Crypto lending
Pacta
Peer-to-peer loans backed by crypto collateral: lenders and borrowers post offers and the collateral is locked in an on-chain contract.
- Industry
- DeFi · Crypto lending
- Project
- Lending marketplace · Smart contracts
- Website
- pacta.so
Pacta
Lending marketplace · Smart contracts
- EVM networks
- 5
- audit tools
- 4
- on-chain collateral
- 100 %
The challenge
Lending between individuals requires trust and constant monitoring of the collateral's value. Without middlemen, the system itself has to do that job.
What we built
We designed a board of public and private offers with a wizard to create loans with their interest rate, LTV and term.
Every loan follows its full lifecycle (collateral deposit, disbursement and repayments), with the health factor tracked using Chainlink prices and margin-call alerts.
The escrow contract went through static analysis and fuzzing before going on-chain, and every deal includes chat and ratings.
Key features
- Public and private offers with a wizard
- Full on-chain loan lifecycle
- Health factor and margin calls with Chainlink
- Wallet screening
- Escrow with static analysis and fuzzing
- Chat and ratings per deal
Technology
- Next.js
- React 19
- Convex
- Better Auth
- Solidity
- Foundry
- Chainlink
- Tailwind
Building an on-chain financial product is daunting. Their rigour on the contract and the user experience gave us the confidence to launch.