Built on Stellar · Trustless Work escrow

Supply chain finance, on-chain

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.

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Non-custodial escrowUSDC on Stellar30–90 day deal terms

From listing to repayment

Deal live · seeking capital

Textiles · Mexico

Cotton yarn — 1,000 units

Manufacturas del Norte

Open

Amount

$12,500

USDC

APR

12.0%

yield

Term

days

Payment milestones

Shipment50%

Delivery50%

Fund this deal

Escrow deployed · awaiting USDC from investors

Escrow funded · supplier shipping

Electronics · Colombia

LED panels — 400 units

Andes Components SAS

In progress

Amount

$38,200

USDC

APR

10.5%

yield

Term

days

Milestone releases

2 of 3 tranches paid to supplier · final on delivery proof

View active deals

USDC locked · milestones govern each release

Repaid · escrow closed

Coffee · Peru

Specialty beans — 20 pallets

Sierra Verde Co-op

Completed

Amount

$8,400

USDC

APR

11.2%

yield

Term

days

Deal closed. PyME repaid principal and yield; investors received USDC on Stellar.

Browse deals

Principal + yield settled on-chain for investors

Illustrative only · not live escrows

The deal cycle

From order to repayment

Four roles, one transparent loop — secured by Stellar escrow at every step.

PyME · Buyer

Creates the deal

Selects a supplier, sets the order amount, defines payment milestones, and deploys a non-custodial escrow on Stellar.

Investor

Funds the escrow

Browses open deals, chooses one, and sends USDC directly into the smart contract. Funds are locked until milestones are approved.

Supplier

Ships & gets paid

Ships the goods and uploads delivery proof on-chain. Escrow releases USDC in milestones upon PyME approval.

PyME · Buyer

Repays investors

After selling the inventory, the PyME repays principal plus yield (8–15% APR). The cycle completes on-chain.

Cycle repeats with the next deal

PyME · Buyer

Creates the deal

Picks a supplier, sets the order amount, defines payment milestones, and deploys a non-custodial escrow on Stellar.

Investor

Funds the escrow

Browses open deals, chooses one, and sends USDC directly into the smart contract. Funds are locked until milestones are approved.

next
deal

Escrow

PyME · Buyer

Repays investors

After selling the inventory, the PyME repays principal plus yield (8–15% APR). The cycle completes transparently on-chain.

Supplier

Ships & gets paid

Ships goods and uploads delivery proof on-chain. Escrow releases USDC in milestones upon PyME approval.

Built on trust & transparency

Non-custodial, on-chain, and auditable — every step of the deal cycle.

Non-custodial escrow

Funds go directly into a Stellar smart contract via Trustless Work. MERCATO never touches investor capital — only the contract logic authorizes a release.

Milestone-based payments

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.

Wallet-signed transactions

Every escrow deployment, funding, and milestone release requires a signature from your Stellar wallet (Freighter or Albedo). You stay in control at every step.

Full on-chain proof

Every payment, milestone approval, and delivery confirmation is recorded on Stellar — verifiable by anyone, at any time, without trusting MERCATO.

USDC denominated

All deals are denominated in USDC on Stellar — a stable, dollar-pegged asset. Investors earn 8–15% APR with no crypto-volatility exposure.

Fiat on/off ramps

Convert between local currency and USDC within the app via Etherfuse (Mexico, SPEI), Alfred Pay (LATAM), or BlindPay (global) — no third-party exchange needed.