Pareto Credit

Description sourced from DeFiLlama's protocol metadata; teams submit their own copy when listing.

Pareto Credit is published as a versioned release inside the Pareto protocol family. Releases inside the same family typically share governance, brand, and large parts of the audit history, but each version can run materially different contract logic — a release labelled v2 or v3 is not just a UI refresh. Newer versions inside a family typically launch with their own audit cycle and parameter set, so do not assume the previous release's safety record carries over without checking the linked audit reports.

Fork lineage and parent-protocol relationships are tracked by DeFiLlama for security and audit-history attribution; a fork inherits the upstream design but not necessarily the upstream audits or governance.

Pareto Credit is a versioned release inside a larger protocol family. View the parent for combined TVL and all sibling versions.

Major events flagged by the DeFiLlama community — protocol launches, exploits, governance changes, and incentive programs.

1. Jul 14, 2025
   Listed on DeFiLlama

Pareto Credit is a RWA Lending protocol that lets users supply assets as collateral, borrow against them, and earn interest from borrowers paying variable or stable rates. It is deployed across 4 chains, including Ethereum, Polygon, Arbitrum, Optimism. The codebase has been independently audited (1 report on file).

Pareto Credit operates on 4 networks (Ethereum, Polygon, Arbitrum, Optimism), keeping its surface area narrower than chain-agnostic peers. Roughly 100% of its on-chain value sits on just three networks (Ethereum, Polygon, Arbitrum), so a fault on any one of them would affect a large slice of users. Only one audit report is currently listed; users should weigh that against the protocol's TVL before depositing significant amounts.

Verified external resources for Pareto Credit — use these to read the source code, follow governance discussions, or cross-check on-chain data against the original team's channels.

Pareto Credit is one of 7 RWA Lending protocols Mantapex tracks in this category. Direct peers ranked by total value locked include USD AI, Aave Horizon RWA, Figure Markets Democratized Prime, and 3 more. These peer protocols collectively secure $655M in deposits, giving you a frame of reference for whether Pareto Credit's own TVL is at the top, middle, or tail of the category.

USD AI

TVL $332.5M · 24h -0.17%

Aave Horizon RWA

TVL $274.5M · 24h +0.30%

Figure Markets Democratized Prime

TVL $20.9M · 24h -0.01%

cSigma Finance

TVL $12.7M · 24h -0.00%

Kasu

TVL $7.2M · 24h +6.00%

Credit Coop

TVL $7.1M · 24h +0.03%