diff --git a/packages/fast-usdc/src/fast-usdc.contract.js b/packages/fast-usdc/src/fast-usdc.contract.js
index 0d838534184..952d26480d1 100644
--- a/packages/fast-usdc/src/fast-usdc.contract.js
+++ b/packages/fast-usdc/src/fast-usdc.contract.js
@@ -71,14 +71,28 @@ export const contract = async (zcf, privateArgs, zone, tools) => {
   const terms = zcf.getTerms();
   assert('USDC' in terms.brands, 'no USDC brand');
   assert('usdcDenom' in terms, 'no usdcDenom');
+
   const { feeConfig, marshaller } = privateArgs;
   const { makeRecorderKit } = prepareRecorderKitMakers(
     zone.mapStore('vstorage'),
     marshaller,
   );
+
   const statusManager = prepareStatusManager(zone);
-  const makeSettler = prepareSettler(zone, { statusManager });
+
+  const { USDC } = terms.brands;
+  const { withdrawToSeat } = tools.zoeTools;
   const { chainHub, orchestrateAll, vowTools } = tools;
+  const makeSettler = prepareSettler(zone, {
+    statusManager,
+    USDC,
+    withdrawToSeat,
+    feeConfig,
+    vowTools: tools.vowTools,
+    zcf,
+    chainHub,
+  });
+
   const { localTransfer } = makeZoeTools(zcf, vowTools);
   const makeAdvancer = prepareAdvancer(zone, {
     chainHub,
@@ -92,8 +106,10 @@ export const contract = async (zcf, privateArgs, zone, tools) => {
     vowTools,
     zcf,
   });
+
   const makeFeedKit = prepareTransactionFeedKit(zone, zcf);
   assertAllDefined({ makeFeedKit, makeAdvancer, makeSettler, statusManager });
+
   const makeLiquidityPoolKit = prepareLiquidityPoolKit(
     zone,
     zcf,
@@ -111,7 +127,6 @@ export const contract = async (zcf, privateArgs, zone, tools) => {
   const creatorFacet = zone.exo('Fast USDC Creator', undefined, {
     /** @type {(operatorId: string) => Promise<Invitation<OperatorKit>>} */
     async makeOperatorInvitation(operatorId) {
-      // eslint-disable-next-line no-use-before-define
       return feedKit.creator.makeOperatorInvitation(operatorId);
     },
     /**
@@ -157,7 +172,6 @@ export const contract = async (zcf, privateArgs, zone, tools) => {
      * @param {CctpTxEvidence} evidence
      */
     makeTestPushInvitation(evidence) {
-      // eslint-disable-next-line no-use-before-define
       void advancer.handleTransactionEvent(evidence);
       return makeTestInvitation();
     },
@@ -200,18 +214,27 @@ export const contract = async (zcf, privateArgs, zone, tools) => {
 
   const feedKit = zone.makeOnce('Feed Kit', () => makeFeedKit());
 
-  const poolAccountV =
-    // cast to HostInterface
-    /** @type { Vow<HostInterface<OrchestrationAccount<{chainId: 'agoric';}>>>} */ (
-      /** @type {unknown}*/ (
-        zone.makeOnce('Pool Local Orch Account', () => makeLocalAccount())
-      )
-    );
-  const poolAccount = await vowTools.when(poolAccountV);
+  const poolAccountV = zone.makeOnce('PoolAccount', () => makeLocalAccount());
+  const settleAccountV = zone.makeOnce('SettleAccount', () =>
+    makeLocalAccount(),
+  );
+  // when() is OK here since this clearly resolves promptly.
+  /** @type {HostInterface<OrchestrationAccount<{chainId: 'agoric';}>>[]} */
+  const [poolAccount, settlementAccount] = await vowTools.when(
+    vowTools.all([poolAccountV, settleAccountV]),
+  );
+
+  const settlerKit = makeSettler({
+    repayer: poolKit.repayer,
+    sourceChannel: 'channel-1234', // TODO: fix this as soon as testing needs it',
+    remoteDenom: 'uusdc',
+    settlementAccount,
+  });
 
   const advancer = zone.makeOnce('Advancer', () =>
     makeAdvancer({
       borrowerFacet: poolKit.borrower,
+      notifyFacet: settlerKit.notify,
       poolAccount,
     }),
   );
@@ -226,6 +249,8 @@ export const contract = async (zcf, privateArgs, zone, tools) => {
     },
   });
 
+  await settlerKit.creator.monitorMintingDeposits();
+
   return harden({ creatorFacet, publicFacet });
 };
 harden(contract);