letspareto

Pareto enables employees within the same organization to lend and borrow from each other anonymously, with automatic salary-based repayments. Built on Arc (Circle's L1) using USDC.

Borrowers: Get micro-loans (₹5k-50k / $60-$600 USDC) at 12-18% APR vs 36%+ credit cards Lenders: Earn 8-12% APR on idle savings with low risk (salary-backed) Employers: Zero capital burden, improved employee financial wellness

Built With Next.js 16 · React 19 · TypeScript · Tailwind CSS · shadcn/ui · Solidity · Hardhat · Arc Testnet (Circle L1) · USDC · JWT Auth

Pareto creates organization-scoped lending pools on Arc (Circle's L1 blockchain) where verified employees can:

• Lend idle USDC and earn 8–12% APR with low risk (salary-backed loans)
• Borrow micro-loans at 12–18% APR — far cheaper than credit cards
• Repay automatically through payroll deductions via EMI schedules

All transactions are on-chain using USDC, ensuring transparency and trust without revealing borrower/lender identities to each other.