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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.

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The Opportunity

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The Float Problem

Every payment processor has float — funds that sit idle between:
  • Receiving customer payments and settling to merchants
  • Funding OTC trades and completing settlement
  • Holding collateral for pending transactions
This float earns nothing. With RebelFi, it can earn 5-8% APY.

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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 (7% APY): $700k/year in additional revenue
Even with shorter settlement windows: 
Average Float Duration: 4 hours
Average Float Balance: $1.67M
Annual Yield (7% APY): $117k/year

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Implementation Pattern

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Architecture for Payment Processors

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

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Key Configuration

1

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
2

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)
3

Configure Auto-Deploy

RebelFi automatically deploys funds above buffer:
{
  enableYield: true,
  bufferAmount: "500000.00", // $500k payout reserve
  token: "USDC"
}
4

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

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Integration Approaches

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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

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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
async function dailySettlementCycle() {
  // Midnight: Deploy available funds
  const balance = await getAvailableBalance();
  await rebelfi.operations.supply({
    walletAddress: settlementWallet,
    strategyId: strategy.strategyId,
    amount: balance - payoutReserve,
    tokenAddress: strategy.tokenAddress
  });

  // 4pm: Unwind for settlement
  await scheduleUnwind('16:00', totalSettlementAmount);
}

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Approach 3: Predictive Optimization

Best for: High-volume processors with data
  • Analyze historical patterns
  • Predict tomorrow’s payout needs
  • Optimize deployment/unwind timing
Pros: Maximum yield capture Cons: Requires ML/analytics investment

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OTC Desk Considerations

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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

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Inventory Yield

OTC desks maintaining stablecoin inventory can:
  • Deploy idle inventory to yield
  • Set buffer for expected trade volume
  • Unwind as trades are executed

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Risk Management

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Liquidity Risk

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=400k × 1.2 = 480k
RebelFi unwind operations typically complete in:
  • Solana: 30-60 seconds
  • EVM chains: 1-3 minutes
For time-critical payouts, maintain larger buffer.
Increase buffer during known peak periods:
  • End of month
  • Quarter end
  • Holiday seasons
  • Marketing campaigns

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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

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Revenue Impact

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Case Study: Mid-Size Payment Processor

Monthly stablecoin volume: $50M
Average float duration: 12 hours
Average float balance: $2.1M
Annual yield (7% APY): $147k

Implementation cost: ~$10k (one-time)
Ongoing cost: RebelFi fee (% of yield)
───────────────────────────────
Net new revenue: $100k+/year

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Case Study: OTC Desk

Daily trading volume: $20M
Average settlement float: $3M
Inventory held: $5M
Total yield-eligible: $8M
Annual yield (7% APY): $560k
───────────────────────────────
New revenue stream: $400k+/year

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Implementation Timeline

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

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Next Steps

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Custody Integration

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API Reference

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