Create structured payment agreements with anyone. Set your own interest rates, track monthly payments, and build a trust score that proves you're good for it.
Two or more parties agree on an amount, set a goal, and define the terms. Interest rate, payment schedule, duration. Everything is transparent.
Monthly payments are tracked automatically. Both parties see the progress in real time. No awkward "hey, you owe me" conversations.
Every payment you honor raises your trust score. Higher scores mean more people are willing to lend to you, at better terms.
Traditional credit scores punish you for being young, new to the country, or simply outside the system. PayPact measures what matters: do you keep your word?
Every completed pact, every on-time payment, every term you honor builds your reputation in the community. Lenders can see your track record before agreeing to terms.
| Feature | Venmo / Zelle | Zirtue | SoLo Funds | PayPact |
|---|---|---|---|---|
| Structured repayment | No | Yes | Partial | Yes |
| Custom interest rates | No | 0% only | Tips | Yes |
| Trust / reputation score | No | No | Basic | Core feature |
| Multi-party agreements | No | No | No | Yes |
| Goal-based lending | No | No | No | Yes |
PayPact is creating a world where your word has a score, your handshake has a contract, and lending between people works the way it always should have.