Payment Processors & OTC Desks

Payment processors and OTC desks handle significant stablecoin volume with predictable settlement windows. RebelFi enables you to earn yield on that float while maintaining instant liquidity for payouts.

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

The Opportunity

The Float Problem

Every payment processor has float — funds that sit idle between:

Receiving customer payments and settling to recipients
Funding OTC trades and completing settlement
Holding collateral for pending transactions

This float earns nothing. With RebelFi, it can earn 5-8% APY.

Economics of Float Yield

Daily Volume: $10M in stablecoin transactions
Average Float Duration: 24 hours
Average Float Balance: $10M

Without RebelFi: $0/year
With RebelFi (5-8% APY): $500k-$800k/year in additional revenue

Even with shorter settlement windows:

Average Float Duration: 4 hours
Average Float Balance: $1.67M
Annual Yield (5-8% APY): $83k-$134k/year

Implementation Pattern

Architecture for Payment Processors

Inbound Payments (USDC)
         ↓
Settlement Account (Your Custody)
         ↓
RebelFi Monitoring (Buffer = Payout Reserve)
         ↓
Yield Protocols (Earning APY)
         ↓
Unwind → Settle Payouts

Key Configuration

Define Settlement Windows

Understand your typical settlement timing:

Same-day settlement: 4-8 hour average float
T+1 settlement: 24-48 hour average float
Weekly settlement: 7-day average float

Calculate Payout Reserve

Set your buffer based on payout patterns:

Analyze historical payout timing
Set buffer at 95th percentile of daily payouts
Account for peak periods (end of month, holidays)

Configure Auto-Deploy

RebelFi automatically deploys funds above buffer:

{
  enableYield: true,
  bufferAmount: "500000.00", // $500k payout reserve
  token: "USDC"
}

Handle Payouts

When payout exceeds buffer:

RebelFi detects shortfall
Creates unwind operation automatically
Funds available within 1-2 minutes
Payout proceeds

Integration Approaches

Approach 1: Passive Float Optimization

Best for: Variable settlement timing, unpredictable payouts

Set conservative buffer (covers 95% of payouts)
Let RebelFi auto-deploy excess
Unwind automatically when needed

Pros: Simple, hands-off Cons: Lower capital efficiency

Approach 2: Scheduled Settlement

Best for: Predictable settlement windows

Know exactly when payouts occur
Deploy aggressively during float period
Schedule unwind before settlement

Pros: Maximum capital efficiency Cons: Requires integration with settlement system

// Example: Deploy at midnight, unwind at 4pm for 5pm settlement
// Use your own scheduler (cron job, etc.) to trigger these at the right times

async function deployFunds() {
  const balance = await getAvailableBalance();
  await rebelfi.operations.supply({
    walletAddress: settlementWallet,
    strategyId: strategy.strategyId,
    amount: balance - payoutReserve,
    tokenAddress: strategy.tokenAddress
  });
}

async function unwindForSettlement() {
  await rebelfi.operations.unwind({
    walletAddress: settlementWallet,
    strategyId: strategy.strategyId,
    amount: totalSettlementAmount
  });
}

Approach 3: Data-Driven Optimization

Best for: High-volume processors with data For high-volume processors, RebelFi’s allocation data can feed into your own analytics to optimize deployment timing. Use the earnings and allocations APIs to inform your scheduling decisions.

OTC Desk Considerations

Trade Settlement Float

OTC desks have unique float patterns:

Collateral held during trade execution
Settlement float for block trades
Inventory management

Trade Flow:
1. Customer sends USDC for OTC trade
2. Funds held while sourcing liquidity (2-4 hours typical)
3. Trade settles, customer receives asset

Float Opportunity: 2-4 hours × daily volume

Inventory Yield

OTC desks maintaining stablecoin inventory can:

Deploy idle inventory to yield
Set buffer for expected trade volume
Unwind as trades are executed

Risk Management

Liquidity Risk

Buffer Sizing

Conservative approach:

Analyze 90 days of payout history
Set buffer at 95th percentile of daily payouts
Add 20% margin for unexpected spikes

Example:

95th percentile daily payout: $400k
Buffer: $400k × 1.2 =$ 480k

Unwind Speed

RebelFi unwind operations typically complete in:

Solana: 30-60 seconds
EVM chains: 1-3 minutes

For time-critical payouts, maintain larger buffer.

Peak Period Planning

Increase buffer during known peak periods:

End of month
Quarter end
Holiday seasons
Marketing campaigns

Protocol Risk

RebelFi mitigates protocol risk through:

Curated protocols: Only battle-tested, audited protocols
Diversification: Spread across multiple protocols
Monitoring: 24/7 protocol health monitoring
Insurance: Protocol-level insurance where available

Revenue Impact

Case Study: Mid-Size Payment Processor

Monthly stablecoin volume: $50M
Average float duration: 12 hours
Average float balance: $2.1M
Annual yield (5-8% APY): $105k-$168k

Implementation cost: ~$10k (one-time)
Ongoing cost: RebelFi fee (% of yield)
───────────────────────────────
Net new revenue: Variable (yield minus RebelFi fee)

Case Study: OTC Desk

Daily trading volume: $20M
Average settlement float: $3M
Inventory held: $5M
Total yield-eligible: $8M
Annual yield (5-8% APY): $400k-$640k
───────────────────────────────
New revenue stream: Variable (yield minus RebelFi fee)

Compliance Infrastructure

RebelFi offers KYT (Know Your Transaction) monitoring for institutional deployments — contact us to discuss your compliance requirements.

Cross-Chain Operations

Need to move USDC between chains? RebelFi supports cross-chain bridging via Circle’s CCTP. Contact us for details.

Implementation Timeline

Week	Activities
1	Account setup, historical payout analysis, buffer calculation
2	Custody integration, test deployments on devnet
3	Production deployment with conservative buffer
4+	Monitor, optimize buffer, increase capital efficiency

Next Steps

Quick Start

Get started with RebelFi

Sandbox

Try it in our sandbox environment

API Reference

Explore the API

Request Demo

Discuss your specific use case

​Supported Blockchains

​The Opportunity

​The Float Problem

​Economics of Float Yield

​Implementation Pattern

​Architecture for Payment Processors

​Key Configuration

​Integration Approaches

​Approach 1: Passive Float Optimization

​Approach 2: Scheduled Settlement

​Approach 3: Data-Driven Optimization

​OTC Desk Considerations

​Trade Settlement Float

​Inventory Yield

​Risk Management

​Liquidity Risk

​Protocol Risk

​Revenue Impact

​Case Study: Mid-Size Payment Processor

​Case Study: OTC Desk

​Compliance Infrastructure

​Cross-Chain Operations

​Implementation Timeline

​Next Steps