The Hierarchy
PeopleIndividual investable assets, stocks, real estate, commodities, bonds, and private businesses. The building blocks of wealth, and the highest risk when held alone.: individual investable assets, stocks, real estate, commodities, bonds, and private businesses across the formal and informal economy. The building blocks of wealth, and the highest risk: one bad asset can wipe out an investor who holds it alone.
PlanetsA Mervesta sector, capital merged across many underlying assets to mitigate the risk of any single asset failing.: Mervesta sectors. Each sector merges capital across many underlying assets Across public and private, formal and informal,to mitigate the risk of any single asset failing. Fixed APR over a fixed duration: 1, 3, 6, or 12 months.
GalaxiesYour diversified portfolio, built by investing across multiple sectors, not just one so no single sector's slowdown can sink your overall position.: your diversified portfolio, built by investing across multiple sectors, not just one. When one sector slows, uncorrelated sectors counterbalance it. This is the structural protection institutions use, made default for everyone.
UniverseYou, the investor, setting the amount, duration, and spread across sectors.: you, the investor. You set the amount, the duration, and the spread across sectors. Mervesta's engine enforces the discipline: allocation caps, liquidity reserves, and transparent tracking of every dollar you commit.