PyMEs get working capital, investors earn 8–15% APR on USDC deals, and suppliers receive guaranteed milestone payments — all secured by non-custodial escrow on Stellar.
Textiles · Mexico
Manufacturas del Norte
Amount
$12,500
USDC
APR
12.0%
yield
Term
60
days
Payment milestones
Sample deal for illustration
Four roles, one transparent loop — secured by Stellar escrow at every step.
PyME · Buyer
Selects a supplier, sets the order amount, defines payment milestones, and deploys a non-custodial escrow on Stellar.
Investor
Browses open deals, chooses one, and sends USDC directly into the smart contract. Funds are locked until milestones are approved.
Supplier
Ships the goods and uploads delivery proof on-chain. Escrow releases USDC in milestones upon PyME approval.
PyME · Buyer
After selling the inventory, the PyME repays principal plus yield (8–15% APR). The cycle completes on-chain.
PyME · Buyer
Picks a supplier, sets the order amount, defines payment milestones, and deploys a non-custodial escrow on Stellar.
Investor
Browses open deals, chooses one, and sends USDC directly into the smart contract. Funds are locked until milestones are approved.
PyME · Buyer
After selling the inventory, the PyME repays principal plus yield (8–15% APR). The cycle completes transparently on-chain.
Supplier
Ships goods and uploads delivery proof on-chain. Escrow releases USDC in milestones upon PyME approval.
Non-custodial, on-chain, and auditable — every step of the deal cycle.
Funds go directly into a Stellar smart contract via Trustless Work. MERCATO never touches investor capital — only the contract logic authorizes a release.
Suppliers receive USDC in stages as milestones are approved — no waiting on net-30/60 terms. Investors get repaid at the end of the deal term with full yield.
Every escrow deployment, funding, and milestone release requires a signature from your Stellar wallet (Freighter or Albedo). You stay in control at every step.
Every payment, milestone approval, and delivery confirmation is recorded on Stellar — verifiable by anyone, at any time, without trusting MERCATO.
All deals are denominated in USDC on Stellar — a stable, dollar-pegged asset. Investors earn 8–15% APR with no crypto-volatility exposure.
Convert between local currency and USDC within the app via Etherfuse (Mexico, SPEI), Alfred Pay (LATAM), or BlindPay (global) — no third-party exchange needed.