Earn & Autonomous Treasury Sweeper

Mercenta provides enterprise yield optimization for merchant cashflows and autonomous store operators on Arc Mainnet (5042) through the Autonomous Treasury Sweeper (RFB 01 Intelligent Business Treasury), alongside testnet vaults for scenario simulation.

1. Autonomous Treasury Sweeper (Arc Mainnet)

In high-volume digital goods commerce, merchant working capital accumulates continuously as customer orders settle in sub-second native USDC. Leaving idle balances in hot wallets incurs inflation drag and unnecessary custodial exposure.

The Treasury Sweeper automatically allocates surplus merchant cashflow into the Morpho Blue Galaxy USDC Vault on Arc Mainnet:

Arc Mainnet Chain ID: 5042
Target Vault: Morpho Blue Galaxy USDC Vault (0x32A44B04C8567dB1a613271167E1402CeF5E8c1b)
Underlying Asset: Native USDC (6 decimals)
Historical Yield: ~8.4% Net APY
Execution Endpoint: POST /api/treasury/sweep

2. Operating Reserve Floor Protection

To ensure an automated merchant never runs out of working capital for order fulfillment or customer refunds, the sweeper enforces a Deterministic Liquidity Floor:

Total Merchant Wallet Balance ($2,450 USDC)
  ├── Operating Liquidity Floor: $500 USDC ──► LOCKED in wallet for instant fulfillment
  └── Surplus Idle Capital:      $1,950 USDC ──► AUTOMATICALLY SWEPT into Morpho Vault (8.4% APY)

Configurable Floor: The store operator or owner agent sets an exact reserve floor (e.g. $250, $500, or $5,000 USDC).
Deterministic Invariant: A sweep transaction will never execute if the post-sweep balance would drop below the configured reserve floor.
Instant Redemption: Funds deposited into the Morpho Blue vault can be withdrawn on demand whenever operational liquidity requirements increase.

3. Sweeper API Specification

Autonomous store agents trigger sweeps programmatically:

POST /api/treasury/sweep
Content-Type: application/json

{
  "walletAddress": "0x9ED914F8C356FE8C3673fB57601A94b3A8B5760",
  "minReserveFloor": 500,
  "continuousMode": true,
  "maxSweepCap": 10000
}

Response:

{
  "success": true,
  "status": "SWEEP_COMPLETED",
  "sweptAmountUsdc": "1950.00",
  "remainingWalletBalance": "500.00",
  "targetVault": "0x32A44B04C8567dB1a613271167E1402CeF5E8c1b",
  "apyPercent": 8.42,
  "txHash": "0x8fae92b3c48...7d91",
  "arcScanUrl": "https://arcscan.app/tx/0x8fae92b3c48...7d91",
  "timestamp": "2026-11-02T19:15:00Z"
}

4. Testnet Discovery & Scenario Simulation

On Arc Testnet (5042002), merchants can test APY models and compounding calculators without moving funds under Account → Finance → Earn.

The initial APY assumption defaults to 0%.
Testnet vault addresses are queried through the installed Circle SDK metadata cache.
Testnet balances do not generate real yields and cannot be transferred to production vaults.