Yielding Merchant Treasury

Merchants hold idle USDC between customer payments and the next payroll or invoice. The cash earns nothing, but moving it by hand is how a payment gets missed.

Customer USDC lands in a merchant treasury and deploys automatically above a cash floor. When payroll or an invoice is due, the yield position unwinds back to USDC and pays. Example policy: keep $10k liquid, deploy everything above $10k, withdraw before payroll.

Blend is a major Stellar lending primitive, and the ecosystem is connecting RWAs and enterprise yield products into DeFi.

A shop receives USDC all week. The treasury keeps $10,000 liquid and supplies the surplus. On Thursday the payroll job withdraws what it needs and pays employees.

1. 01

   Customer pays USDC

2. 02

   Merchant treasury

3. 03

   Balance above the floor deploys to yield

4. 04

   Payroll or invoice comes due

5. 05

   Yield position returns to USDC

6. 06

   Payment sends

• Receive USDC into a treasury contract.
• A policy with a liquid floor, for example $10,000.
• Sweep surplus into a Blend or DeFindex position.
• Withdraw back to USDC before a scheduled payment.
• Show liquid balance, deployed balance, and the next payout.

• Treasury

  Receives USDC and enforces the liquid floor.

• Policy

  Stores the floor, the yield venue, and payout dates.

• Yield adapter

  Deposits and withdraws through Blend or DeFindex.

• Payout

  Pulls USDC and pays a payroll or invoice address.

• SAC USDC in and out
• Soroban calls into Blend and DeFindex
• Scheduled, policy-gated withdrawals

• Blend
• DeFindex
• USDC

1. 01

   Treasury

   Accept USDC and record a liquid floor.

2. 02

   Sweep

   Deposit only the surplus into one yield venue.

3. 03

   Unwind

   Withdraw enough USDC to cover a listed payout.

4. 04

   Payroll demo

   Show $10k staying liquid and a payout leaving on schedule.

• Support more than one yield venue and pick by a declared liquidity rule.
• Queue invoices and payroll as first-class payouts with dates.

• Blend
• DeFindex
• Stellar Asset Contract