> ## Documentation Index
> Fetch the complete documentation index at: https://docs.rebelfi.io/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Neobanks & Fintechs

> Generate treasury yield and offer savings products

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

| Blockchain | Token Support | Status      |
| ---------- | ------------- | ----------- |
| Solana     | USDC, USDT    | Live        |
| Polygon    | USDC, USDT    | Live        |
| Ethereum   | USDC, USDT    | Live        |
| Base       | USDC          | Live        |
| Arbitrum   | USDC, USDT    | Coming Soon |

## 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

<Steps>
  <Step title="Identify Eligible Treasury">
    Map your treasury wallets:

    * Operating accounts
    * Reserve accounts
    * Settlement accounts

    Exclude: Hot wallets with high turnover, regulatory minimum reserves
  </Step>

  <Step title="Calculate Safe Buffer">
    For each wallet, determine minimum liquidity:

    * Peak daily outflows (95th percentile)
    * Regulatory requirements
    * Operational contingency (20% margin)
  </Step>

  <Step title="Configure Auto-Optimization">
    Enable RebelFi monitoring on treasury wallets:

    ```typescript theme={null}
    {
      walletAddress: treasuryWallet,
      enableYield: true,
      bufferAmount: "1000000.00", // $1M liquidity buffer
      token: "USDC"
    }
    ```
  </Step>

  <Step title="Monitor & Report">
    Track treasury yield for financial reporting:

    * Daily yield accrual
    * Monthly treasury income
    * Allocation performance
  </Step>
</Steps>

### Treasury Yield Economics

```
Treasury Balance: $20M in stablecoins
Operational Buffer: $5M (25%)
Deployable: $15M (75%)
Annual Yield (5-8% APY): $750k - $1.2M

Previous Treasury Income: $0
───────────────────────────────
New Revenue: $750k - $1.2M/year (variable)
```

## Customer Deposit Products

### Product Options

<Tabs>
  <Tab title="High-Yield Savings">
    **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
  </Tab>

  <Tab title="Tiered Savings">
    **Model**: Higher rates for larger/longer deposits

    | Tier    | Balance          | APY  |
    | ------- | ---------------- | ---- |
    | Basic   | \< \$1,000       | 3.0% |
    | Plus    | $1,000 - $10,000 | 4.0% |
    | Premium | \$10,000+        | 5.0% |

    **Target**: Customers with meaningful deposits
  </Tab>

  <Tab title="Fixed-Term Deposits">
    **Model**: Higher rates for committed deposits

    | Term     | APY  |
    | -------- | ---- |
    | Flexible | 4.0% |
    | 30 days  | 5.0% |
    | 90 days  | 5.5% |
    | 180 days | 6.0% |

    **Target**: Customers willing to lock funds
  </Tab>
</Tabs>

### Implementation Architecture

For implementations where customers have their own wallets, use the SDK:

```typescript theme={null}
import { RebelfiClient } from '@rebelfi/sdk';

const client = new RebelfiClient({ apiKey: process.env.REBELFI_API_KEY });

// Customer opens savings account
async function openSavingsAccount(customerWallet: string, amount: string) {
  // Find best strategy
  const { venues } = await client.venues.list({
    blockchain: 'solana',
    token: 'USDC'
  });
  const strategy = venues[0].strategies[0];

  // Create supply operation
  const operation = await client.operations.supply({
    walletAddress: customerWallet,
    strategyId: strategy.strategyId,
    amount,
    tokenAddress: strategy.tokenAddress
  });

  return operation;
}

// Customer checks balance
async function getAccountBalance(customerWallet: string) {
  const { allocations, totalValue, totalYieldEarned } = await client.allocations.list({
    walletAddress: customerWallet
  });

  return {
    principal: totalValue - totalYieldEarned,
    currentValue: totalValue,
    yieldEarned: totalYieldEarned,
    apy: allocations[0]?.apy || 0
  };
}
```

See the [SDK documentation](/sdk/introduction) for complete integration details.

## Compliance Considerations

### Regulatory Framework

<AccordionGroup>
  <Accordion title="Non-Custodial Architecture" icon="shield">
    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
  </Accordion>

  <Accordion title="Customer Disclosures" icon="file-contract">
    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
  </Accordion>

  <Accordion title="Licensing Considerations" icon="scale-balanced">
    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
  </Accordion>
</AccordionGroup>

### 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**:

```
Treasury: $10M
Deployable (80%): $8M
Annual Yield (5-8% APY): $400k - $640k
```

**Customer Deposits**:

```
Customer Deposits: $50M
Gross Yield (5-8% APY): $2.5M - $4M
Customer Payout (4%): $2M
Net Revenue: $500k - $2M (variable)
```

**Total New Revenue**: Variable depending on market conditions

<Note>
  Yield rates are variable and depend on market conditions. The figures above are illustrative.
</Note>

### Example: Growing Fintech

**Phase 1 (Launch)**:

* Treasury only: $2M deployed, $140k/year

**Phase 2 (6 months)**:

* Treasury + Early adopters: $5M total, $350k/year

**Phase 3 (12 months)**:

* Full product launch: $20M deployed, $1M+/year

## Implementation Roadmap

### Phase 1: Treasury (Weeks 1-4)

| Week | Activities                               |
| ---- | ---------------------------------------- |
| 1    | Account setup, treasury wallet inventory |
| 2    | Custody integration, buffer analysis     |
| 3    | Production deployment (conservative)     |
| 4    | Monitor, optimize, internal reporting    |

### Phase 2: Customer Pilot (Weeks 5-12)

| Week  | Activities                          |
| ----- | ----------------------------------- |
| 5-6   | SDK integration, UI development     |
| 7-8   | Internal testing, compliance review |
| 9-10  | Beta launch (1,000 customers)       |
| 11-12 | Iterate based on feedback           |

### Phase 3: Full Launch (Week 13+)

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

## Competitive Positioning

| Feature      | Traditional Banks | Crypto Yield Products | RebelFi-Powered    |
| ------------ | ----------------- | --------------------- | ------------------ |
| Yield        | 0.5-2%            | 5-10%                 | 5-8%               |
| Custody      | Bank holds        | Third party           | You/customer holds |
| Liquidity    | Instant           | Often locked          | Instant            |
| Transparency | Opaque            | Varies                | Full visibility    |
| Regulatory   | FDIC insured      | Unregulated           | Non-custodial      |

## Next Steps

<CardGroup cols={2}>
  <Card title="SDK Documentation" icon="code" href="/sdk/introduction">
    For customer-facing products
  </Card>

  <Card title="Quick Start" icon="rocket" href="/guides/quickstart">
    Get treasury yield running
  </Card>

  <Card title="Sandbox" icon="flask" href="/guides/sandbox">
    Try it in our sandbox environment
  </Card>

  <Card title="Request Demo" icon="handshake" href="https://calendly.com/alek-rebelfi/30min">
    Discuss your specific needs
  </Card>
</CardGroup>