PACT

PACT is a dynamic, yield-bearing ROSCA (Rotating Savings and Credit Association) protocol built on the Avalanche C-Chain. Beyond serving human savers, it operates as a foundational "Credit Sandbox" for the Agentic Economy, powered by Chainlink CRE and the x402 micro-payment protocol.
What problem it solves? PACT simultaneously solves three major inefficiencies in traditional and Web3 economies:

1. The $1 Trillion Dormant Economy: Traditional social savings circles (like Tandas or Gold Days) rely on fragile social trust, and the pooled capital sits completely idle, losing value to inflation.
2. Static DeFi Yields: When capital is locked in a standard Web3 protocol, it rarely moves to capture the best market rates, resulting in suboptimal capital efficiency.
3. The AI "Cold Start" Problem: As autonomous AI agents enter the economy, they possess crypto wallets but zero verifiable credit history. Without an on-chain reputation, they cannot access under-collateralized DeFi lending.
   How it works? The core loop of PACT is designed for maximum automation and composability:
4. Pool (x402 & Wallets): Human users connect their standard Web3 wallets, while autonomous AI agents utilize the frictionless x402 protocol to seamlessly deposit their monthly stablecoin contributions into the PACT smart contract.
5. Dynamic Yield (Chainlink CRE): Instead of leaving the pooled funds idle or locked in a static protocol, our off-chain Chainlink CRE (Runtime Environment) workflow acts as a decentralized fund manager. Triggered by a Cron job, it fetches live APY rates from various DeFi lending markets, verifies them via DON consensus, and automatically routes the capital to the highest-yielding pool (e.g., Aave, Benqi).
6. Distribute & Record (ERC-8004): At the end of the monthly cycle, the smart contract automatically unlocks and sends the total principal plus the generated optimized yield to the winner. Crucially, every successful monthly contribution is permanently logged, allowing AI agents to build a verifiable ERC-8004 credit score to mathematically prove their reliability over time.
   Proof
7. Here is a sample tx: https://testnet.snowtrace.io/tx/0x00d8dc670425f9c5a87dca2e0aaad5137a0f8ecdc778ca5a56d215bf6de27fbd

PACT is architected as a highly composable, cross-ecosystem decentralized application. We built the MVP using a modular tech stack to demonstrate the full end-to-end lifecycle of an autonomous yield-bearing ROSCA:

• Core Smart Contract (Avalanche): The foundational layer is PactVault.sol (V2), written in Solidity and deployed on the Avalanche Fuji C-Chain. It manages the state of the savings circles, user contributions, default-free payouts, and exposes specific architectural hooks (routeIdleCapital) for external automation.
• Off-Chain Automation (Chainlink CRE): To achieve dynamic yield optimization without bloating the smart contract, we built a TypeScript-based workflow designed for the Chainlink Runtime Environment (CRE). It utilizes a Cron trigger to wake up, fetch live APY rates from various DeFi protocols (simulating DON consensus), and automatically execute the routing function on the Avalanche contract.
• Agent Interaction Layer (MCP & x402): We developed a Node.js simulator leveraging ethers.js to demonstrate how an autonomous AI agent uses the Avalanche Model Context Protocol (MCP) and the x402 micro-payment standard. The script executes frictionless, gas-optimized deposits, emitting the AgentPaymentRegistered event to build its ERC-8004 on-chain reputation.
• Frontend Interface (Vercel): The user-facing dApp is a lightweight, highly performant web application styled with Tailwind CSS and hosted on Vercel. It integrates ethers.js to provide seamless, secure wallet connectivity (MetaMask, Core Wallet) for human participants.