> ## 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.

# Payment Processors & OTC Desks

> Monetize float between settlement windows

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

<Steps>
  <Step title="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
  </Step>

  <Step title="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)
  </Step>

  <Step title="Configure Auto-Deploy">
    RebelFi automatically deploys funds above buffer:

    ```typescript theme={null}
    {
      enableYield: true,
      bufferAmount: "500000.00", // $500k payout reserve
      token: "USDC"
    }
    ```
  </Step>

  <Step title="Handle Payouts">
    When payout exceeds buffer:

    1. RebelFi detects shortfall
    2. Creates unwind operation automatically
    3. Funds available within 1-2 minutes
    4. Payout proceeds
  </Step>
</Steps>

## 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

```typescript theme={null}
// 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

<AccordionGroup>
  <Accordion title="Buffer Sizing" icon="gauge">
    **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
  </Accordion>

  <Accordion title="Unwind Speed" icon="bolt">
    RebelFi unwind operations typically complete in:

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

    For time-critical payouts, maintain larger buffer.
  </Accordion>

  <Accordion title="Peak Period Planning" icon="calendar">
    Increase buffer during known peak periods:

    * End of month
    * Quarter end
    * Holiday seasons
    * Marketing campaigns
  </Accordion>
</AccordionGroup>

### 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](mailto:team@rebelfi.io) 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](mailto:team@rebelfi.io) 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

<CardGroup cols={2}>
  <Card title="Quick Start" icon="rocket" href="/guides/quickstart">
    Get started with RebelFi
  </Card>

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

  <Card title="API Reference" icon="code" href="/api-reference/introduction">
    Explore the API
  </Card>

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