Neobanks & Fintechs

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.

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

Identify Eligible Treasury

Map your treasury wallets:

Operating accounts
Reserve accounts
Settlement accounts

Exclude: Hot wallets with high turnover, regulatory minimum reserves

Calculate Safe Buffer

For each wallet, determine minimum liquidity:

Peak daily outflows (95th percentile)
Regulatory requirements
Operational contingency (20% margin)

Configure Auto-Optimization

Enable RebelFi monitoring on treasury wallets:

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

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 (7% APY): $1.05M

Previous Treasury Income: $0
───────────────────────────────
New Revenue: $1M+/year

Customer Deposit Products

Product Options

High-Yield Savings
Tiered Savings
Fixed-Term Deposits

Model: Basic savings account with competitive APY

Customer deposits earn 4-5% APY
You earn 2-3% spread
Instant withdrawals
FDIC-like messaging (non-custodial)

Target: Retail customers seeking yield

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

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

Implementation Architecture

For B2B2C implementations where customers have their own wallets, use the SDK:

import { MidasClient } from '@rebelfi/sdk';

const midas = new MidasClient({ apiKey: process.env.REBELFI_API_KEY });

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

  // Create supply operation
  const operation = await midas.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 midas.allocations.list({
    walletAddress: customerWallet
  });

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

See the SDK documentation for complete B2B2C integration.

Compliance Considerations

Regulatory Framework

Non-Custodial Architecture

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

Customer Disclosures

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

Licensing Considerations

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 (7%): $560k

Customer Deposits:

Customer Deposits: $50M
Gross Yield (7%): $3.5M
Customer Payout (5%): $2.5M
Net Revenue: $1M

Total New Revenue: $1.56M/year

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

SDK Documentation

For customer-facing products

Quick Start

Get treasury yield running

Custody Integration

Connect your custody solution

Request Demo

Discuss your specific needs

Overview

Getting Started

Use Cases

Concepts

Neobanks & Fintechs

Two Revenue Streams

1. Treasury Yield

2. Customer Deposit Products

Treasury Yield Implementation

The Opportunity

Implementation

Treasury Yield Economics

Customer Deposit Products

Product Options

Implementation Architecture

Compliance Considerations

Regulatory Framework

Audit & Reporting

Business Model Economics

Example: Mid-Size Neobank

Example: Growing Fintech

Implementation Roadmap

Phase 1: Treasury (Weeks 1-4)

Phase 2: Customer Pilot (Weeks 5-12)

Phase 3: Full Launch (Week 13+)

Competitive Positioning

Next Steps

SDK Documentation

Quick Start

Custody Integration

Request Demo

Overview

Getting Started

Use Cases

Concepts

​Two Revenue Streams

​1. Treasury Yield

​2. Customer Deposit Products

​Treasury Yield Implementation

​The Opportunity

​Implementation

​Treasury Yield Economics

​Customer Deposit Products

​Product Options

​Implementation Architecture

​Compliance Considerations

​Regulatory Framework

​Audit & Reporting

​Business Model Economics

​Example: Mid-Size Neobank

​Example: Growing Fintech

​Implementation Roadmap

​Phase 1: Treasury (Weeks 1-4)

​Phase 2: Customer Pilot (Weeks 5-12)

​Phase 3: Full Launch (Week 13+)

​Competitive Positioning

​Next Steps

SDK Documentation

Quick Start

Custody Integration

Request Demo

Two Revenue Streams

1. Treasury Yield

2. Customer Deposit Products

Treasury Yield Implementation

The Opportunity

Implementation

Treasury Yield Economics

Customer Deposit Products

Product Options

Implementation Architecture

Compliance Considerations

Regulatory Framework

Audit & Reporting

Business Model Economics

Example: Mid-Size Neobank

Example: Growing Fintech

Implementation Roadmap

Phase 1: Treasury (Weeks 1-4)

Phase 2: Customer Pilot (Weeks 5-12)

Phase 3: Full Launch (Week 13+)

Competitive Positioning

Next Steps