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Neobanks and fintechs can use RebelFi to generate yield on treasury balances and offer competitive savings products to customers — all while maintaining custody and regulatory compliance.

Supported Blockchains

Two Revenue Streams

1. Treasury Yield

Generate yield on your operational stablecoin balances:
  • Operating reserves
  • Liquidity buffers
  • Funds awaiting deployment

2. Customer Deposit Products

Offer yield-bearing accounts to your customers:
  • Savings accounts with competitive APY
  • Interest-bearing checking
  • Fixed-term deposit products

Treasury Yield Implementation

The Opportunity

Most neobanks hold significant stablecoin reserves for:
  • Daily operations and settlements
  • Regulatory liquidity requirements
  • Growth capital awaiting deployment
This capital typically earns nothing. With RebelFi, treasury can become a profit center.

Implementation

1

Identify Eligible Treasury

Map your treasury wallets:
  • Operating accounts
  • Reserve accounts
  • Settlement accounts
Exclude: Hot wallets with high turnover, regulatory minimum reserves
2

Calculate Safe Buffer

For each wallet, determine minimum liquidity:
  • Peak daily outflows (95th percentile)
  • Regulatory requirements
  • Operational contingency (20% margin)
3

Configure Auto-Optimization

Enable RebelFi monitoring on treasury wallets:
4

Monitor & Report

Track treasury yield for financial reporting:
  • Daily yield accrual
  • Monthly treasury income
  • Allocation performance

Treasury Yield Economics

Customer Deposit Products

Product Options

Model: Basic savings account with competitive APY
  • Customer deposits earn 4-5% APY
  • You earn 2-3% spread
  • Instant withdrawals
  • Non-custodial architecture — you or your customers maintain custody at all times
Target: Retail customers seeking yield

Implementation Architecture

For implementations where customers have their own wallets, use the SDK:
See the SDK documentation for complete integration details.

Compliance Considerations

Regulatory Framework

RebelFi’s non-custodial model simplifies compliance:
  • You or your customers maintain custody
  • RebelFi never holds keys or funds
  • No money transmission by RebelFi
  • Clear audit trail via ledger
Recommended disclosures for customer-facing products:
  • Funds are deployed to DeFi protocols
  • Yield rates are variable, not guaranteed
  • Principal is at risk (smart contract risk)
  • Not FDIC insured
  • You maintain custody at all times
Depending on your structure:
  • Money transmission license requirements
  • State-by-state analysis for US operations
  • Securities law considerations for fixed-term products
  • Work with legal counsel on product structure

Audit & Reporting

RebelFi provides comprehensive audit trails:
  • All operations logged with timestamps
  • Double-entry accounting ledger
  • Yield accrual tracking
  • Exportable reports for auditors

Business Model Economics

Example: Mid-Size Neobank

Treasury Yield:
Customer Deposits:
Total New Revenue: Variable depending on market conditions
Yield rates are variable and depend on market conditions. The figures above are illustrative.

Example: Growing Fintech

Phase 1 (Launch):
  • Treasury only: 2Mdeployed,2M deployed, 140k/year
Phase 2 (6 months):
  • Treasury + Early adopters: 5Mtotal,5M total, 350k/year
Phase 3 (12 months):
  • Full product launch: 20Mdeployed,20M deployed, 1M+/year

Implementation Roadmap

Phase 1: Treasury (Weeks 1-4)

Phase 2: Customer Pilot (Weeks 5-12)

Phase 3: Full Launch (Week 13+)

  • Marketing campaign
  • Gradual rollout
  • Performance optimization
  • Product expansion (tiers, terms)

Competitive Positioning

Next Steps

SDK Documentation

For customer-facing products

Quick Start

Get treasury yield running

Sandbox

Try it in our sandbox environment

Request Demo

Discuss your specific needs