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Digital wallets holding stablecoin balances can use RebelFi to automatically generate yield on idle funds while maintaining full custody and instant liquidity for user withdrawals.

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The Opportunity

Most digital wallets hold significant stablecoin balances that sit idle:
  • User deposits awaiting transactions
  • Float between deposit and withdrawal
  • Treasury reserves and operational buffers
With RebelFi, these idle balances can earn yield while remaining instantly available for withdrawals.

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Business Models

Model: Keep a portion of yield as revenue
  • Deploy funds earning ~6-8% APY
  • Pay users 4-5% APY
  • Capture 2-3% spread as profit
Example Economics:
  • $10M in user deposits
  • Earn 7% = $700k/year
  • Pay users 5% = $500k/year
  • Wallet profit: $200k/year

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Implementation Pattern

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Architecture for Wallets

User Deposits (USDC/USDT)
         ↓
Wallet Omnibus Account (Your Custody)
         ↓
RebelFi Monitoring & Optimization
         ↓
Yield Protocols (Earning 6-8% APY)
         ↓
Yield Distribution to Users

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Technical Integration

1

Omnibus Wallet Setup

Configure a master wallet for all user deposits and enable monitoring with a buffer for withdrawals.
2

Auto-Deploy Excess Funds

RebelFi automatically detects balance increases and creates supply operations for funds above buffer.
3

Handle Withdrawals

Maintain instant liquidity with buffer management. For large withdrawals, unwind allocations automatically.
4

Distribute Yield

Credit users with their portion of yield daily or weekly, proportional to their balance.

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User Experience Options

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Option 1: Automatic Yield (Transparent)

All balances automatically earn yield: 
Balance: 1,043.27 USDC
Yield Earned: +43.27 USDC (4.5% APY)
Last Updated: 2 minutes ago
Pros: Simplest UX, no user action required Cons: Can’t offer tiered yield based on commitment

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Option 2: Savings Account (Explicit)

Users opt into a “Savings” account for yield: 
Checking: 500.00 USDC (0% yield)
Savings: 2,500.00 USDC (5.2% APY, +108.00 earned)
Pros: Clear value proposition, upsell opportunity Cons: Requires user action, split liquidity

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Option 3: Tiered Yield (Gamified)

Different yield rates based on balance or commitment: 
Balance: 10,000 USDC
Tier: Gold (6.0% APY)
Next Tier: Platinum at 25,000 USDC (7.0% APY)
Pros: Incentivizes larger deposits, engagement Cons: More complex to manage

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Revenue Model Examples

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Example 1: Spread Model

Wallet TVL: $50M in stablecoins
Gross Yield: 7% = $3.5M/year
User Payout: 5% = $2.5M/year
───────────────────────────────
Wallet Revenue: $1M/year profit

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Example 2: Premium Subscription

Free Users: 100k users, $10M TVL, 3% yield to users
Premium Users: 10k users, $15M TVL, 5% yield to users
Premium Fee: $9.99/month

Subscription Revenue: $1.2M/year
Yield Revenue (spread): $500k/year
───────────────────────────────
Total Revenue: $1.7M/year

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Compliance Considerations

  • User funds remain in your custody
  • Existing KYC/AML processes apply
  • No change to regulatory status
  • Clear user disclosures about yield generation
Recommended disclosures:
  • Funds are deployed to DeFi protocols
  • Yield rates are variable, not guaranteed
  • Withdrawals remain instant (via buffer)
  • You maintain custody at all times
Track yield distribution:
  • Daily yield accrual calculations
  • User-level yield attribution
  • Tax reporting (1099-MISC for US users)
  • Audit trail via RebelFi’s ledger

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Implementation Timeline

PhaseDurationActivities
IntegrationWeek 1-2Set up account, configure wallet, deploy agent, test
Internal TestingWeek 3Test flows, verify calculations, load testing
Pilot LaunchWeek 4Launch to subset of users (opt-in beta)
Full RolloutWeek 5+Gradual rollout, marketing, optimization

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Success Metrics

Track these KPIs:
  • TVL (Total Value Locked): Total user funds deployed
  • Yield Generated: Total yield earned from protocols
  • User Yield Distributed: Amount paid to users
  • Revenue (Spread): Your profit from yield spread
  • Buffer Efficiency: % of funds deployed vs idle
  • Withdrawal Latency: Time from withdrawal request to settlement

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Next Steps

Quick Start

Set up your first integration

Custody Integration

Configure your custody adapter

SDK Documentation

For B2B2C integrations

Request Demo

Discuss custom enterprise solutions