letspareto
Pareto enables employees within the same organization to lend and borrow.
Demo
About
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
How it's made
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.