How the Mercato Vault Fits Your Investing Workflow

Mercato investors typically juggle two questions: “Where should idle USDC sit?” and “Which deal should I fund next?” The vault answers the first. Deal marketplace answers the second.

A simple workflow

1. On-ramp or transfer USDC to your Mercato-linked Stellar wallet.
2. Deposit a portion into the Mercato vault to earn baseline yield.
3. Monitor My Positions — see your vault value, share of the pool, and deposit history.
4. When a deal matches your criteria, withdraw from the vault (or use wallet USDC) and fund the escrow.
5. At repayment, principal and yield return to your wallet — optionally redeposit to the vault.

Reading “My Positions”

The My Positions tab shows three things non-crypto users care about: how much is yours, how much belongs to other depositors in the same vault, and a ledger of your deposits and withdrawals. You always know what fraction of the pool you own — important when the vault holds capital from many investors.

When the vault is not enough

Vault yield is designed for liquidity and steady incremental return. If you want higher, deal-specific returns tied to a PyME repayment, fund escrows on the marketplace. Mercato is built so both products coexist — vault for waiting, deals for deploying.

Ready to try it? Connect your wallet, open Vaults in the dashboard, and start with a small deposit. You can always withdraw and compare your experience against traditional idle cash.