MERCATO
Supply Chain Finance on Stellar

How MERCATO Works

MERCATO connects SMBs, investors, and suppliers through non-custodial, milestone-based escrow on Stellar — giving businesses working capital, investors short-term yield, and suppliers faster payments.

Non-custodial escrowUSDC on StellarLATAM supply chains

Three roles, one platform

Every participant benefits from the same transparent deal lifecycle.

SMB (Buyer)

Get working capital for inventory without taking on traditional debt.

  • Create deals specifying product, supplier, and payment terms
  • Deploy a non-custodial Stellar escrow with your wallet
  • Confirm deliveries and milestone releases
  • Repay investor capital + yield after your sales cycle

Investor

Fund real supply-chain deals and earn short-term yield in USDC.

  • Browse open deals on the marketplace
  • Fund escrow directly from your Stellar wallet in USDC
  • Track milestones and deal progress in real time
  • Receive repayment with yield once the deal completes

Supplier

Get paid faster with milestone-based on-chain payments.

  • Manage your company profile and product catalog
  • Accept orders once a deal is funded
  • Submit shipment and delivery proof
  • Receive 50% on shipment and 50% on delivery — on-chain
The Deal Flow

From deal creation to repayment

4 phases, all secured by Stellar smart contracts via Trustless Work.

1

SMB Creates Deal & Deploys Escrow

SMB (Buyer)

An SMB selects a supplier from the catalog, specifies the product, amount, and term, then signs a Stellar wallet transaction to deploy a non-custodial multi-release escrow contract via Trustless Work.

Choose supplier & product from catalog
Set deal amount, term, and APR
Sign escrow deployment with Freighter or Albedo
Deal appears on marketplace as "Seeking Funding"
Trustless Work escrowStellar Network
2

Investor Funds the Escrow

Investor

An investor browses the open marketplace, reviews the deal terms, APR, and SMB reputation, then sends USDC directly to the escrow contract from their Stellar wallet. Funds never touch the platform.

Browse marketplace and pick a deal
Review APR, term, and SMB track record
Sign transaction to send USDC to escrow
Deal status updates to "Funded" — supplier notified
USDC on StellarNon-custodial
3

Supplier Ships & Milestones Release

Supplier + SMB + Admin

The supplier accepts the order, submits shipment proof (Milestone 1), and later delivery confirmation (Milestone 2). Each milestone approval by the SMB triggers an on-chain fund release via Trustless Work.

Supplier submits shipment proof (Milestone 1)
SMB confirms shipment → 50% released to supplier
Supplier submits delivery proof (Milestone 2)
Admin approves → final 50% released on-chain
Multi-release escrowOn-chain proof
4

SMB Repays Investor — Deal Complete

SMB (Buyer)

After the SMB sells the goods and the term completes, they repay the investor the principal plus the agreed yield. The deal is marked "Completed" on-chain, building the SMB's reputation for future financing.

SMB repays principal + yield on Stellar
Transaction hash recorded for transparency
Investor receives USDC + yield in their wallet
Deal marked "Completed" — SMB reputation updated
Verified on-chainReputation scoring

Why MERCATO?

Designed from the ground up for fair, transparent supply chain finance.

Non-Custodial

Funds go directly into a Stellar smart contract. MERCATO never holds your money — only the contract logic controls release.

Fully Transparent

Every transaction, milestone approval, and proof hash is recorded on-chain. Anyone can verify deal progress at any time.

Reputation-Backed

Each completed deal builds the SMB's on-chain track record. Investors can assess repayment history before funding.

LATAM-Focused

Built for LATAM supply chains with fiat ramps via Etherfuse, Alfred Pay, and BlindPay to convert between USDC and local currency.

Powered by

Stellar Network

Smart contracts & USDC

Trustless Work

Multi-release escrow API

Freighter / Albedo

Non-custodial wallets

Supabase

Auth & deal metadata

Convert between USDC and local fiat

Deposit or withdraw via integrated ramp providers. Move money in and out of the Stellar ecosystem without leaving the platform.

Etherfuse

Mexico · SPEI

Alfred Pay

LATAM · SPEI

BlindPay

Global

Add Funds

Ready to get started?

Whether you're an SMB seeking financing, an investor seeking yield, or a supplier wanting faster payments — MERCATO has you covered.

Create AccountBrowse Open Deals