Skip to main content
Preview Documentation — This integration is in final testing. API shapes are stable; endpoints will be live shortly. Contact your RebelFi rep if you have questions before go-live.

​
Architecture

RebelFi is the orchestration layer between your platform and banking infrastructure. You talk only to our API — we handle KYB, virtual bank account issuance, USD → USDC conversion, and delivery.

Your Platform

Calls the RebelFi API to create merchants, query transactions, and receive webhook events

RebelFi

Orchestrates KYB, bank account issuance, conversion tracking, and event delivery

Banking Infrastructure

Handles virtual bank accounts, USD receipt, and USD → USDC conversion
Your Platform ⟷ RebelFi ⟷ Banking Infrastructure — connected via API + webhooks at each layer. You talk only to RebelFi.

​
Data Flow

When a payer sends USD to a merchant’s virtual bank account, the funds are automatically converted to USDC and delivered to your wallet. 
Payer                    Virtual Bank Account              Your Wallet
(sends USD)              (per merchant, US bank)           (USDC)

  $50,000 USD ────────►  Account receives funds ────────►  $49,875 USDC delivered
  (ACH or Wire)          Auto-converts USD → USDC          (fee deducted)

​
Fee Model

A percentage-based fee is deducted from each deposit before USDC delivery. The fee is expressed in basis points (bps). Example — $50,000 deposit at 25 bps total fee:
Amount
USD deposited$50,000.00
Fee (25 bps)$125.00
USDC delivered$49,875.00
Fees are deducted automatically — no invoicing required.

​
Wallet Model

All on-ramped USDC from all merchants settles into a single wallet address that you designate during onboarding. You maintain per-merchant accounting via the transaction data we provide (each transaction is tagged with its merchant).
Per-merchant wallet provisioning is available — contact us to enable.

​
Merchant Lifecycle

Create Merchant ──► KYB Pending ──► KYB Submitted ──► KYB Approved ──► Bank Account Issued
                                                  └──► KYB Declined
  1. You create a merchant via POST /v1/ramp/merchants
  2. RebelFi returns a hosted KYB URL
  3. The merchant completes the KYB form
  4. On approval, a virtual bank account is automatically issued
  5. RebelFi sends a customer.approved webhook with bank account details

​
Transaction Lifecycle

Once a merchant has an active bank account, incoming USD deposits flow through these states:
StatusMeaning
pendingDeposit detected, conversion not yet started
processingConversion in progress
completedUSDC delivered to your wallet
failedConversion failed — review required
reversedDeposit was reversed — funds returned to sender
RebelFi sends webhook events on every state change so you can track progress in real time.