P.A.C.T.: standing for Property, Accounts, Currency and Trade
Is a newly emergent competitor to the Guild, based out of a small and insignificant city state within the Hundred kingdoms.
They have had some miraculous early successes acquiring several lucrative deals. Buoyed by this earl success they have recently expanded their operations to the River Province and currently have representatives as far north as Nexus.
Like all competitors to the Guild they are sure to soon draw their ire.