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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

BlockchainToken SupportStatus
SolanaUSDC, USDTLive
PolygonUSDC, USDTLive
EthereumUSDC, USDTLive
BaseUSDCLive
ArbitrumUSDC, USDTComing 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

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:
{
  walletAddress: treasuryWallet,
  enableYield: true,
  bufferAmount: "1000000.00", // $1M liquidity buffer
  token: "USDC"
}
4

Monitor & Report

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

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

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:
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 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:
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
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)

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

Phase 2: Customer Pilot (Weeks 5-12)

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

Phase 3: Full Launch (Week 13+)

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

Competitive Positioning

FeatureTraditional BanksCrypto Yield ProductsRebelFi-Powered
Yield0.5-2%5-10%5-8%
CustodyBank holdsThird partyYou/customer holds
LiquidityInstantOften lockedInstant
TransparencyOpaqueVariesFull visibility
RegulatoryFDIC insuredUnregulatedNon-custodial

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