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Supported Chains

BlockchainStatus
PolygonLive
ArbitrumLive
BaseLive
EthereumLive
SolanaLive

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Architecture

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

Your Platform

Calls the RebelFi API to create recipients, provision accounts, query transactions, and receive webhook events

RebelFi

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

Banking Infrastructure

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

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Data Flow

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On-Ramp (USD → USDC/USDT)

When a payer sends USD to a recipient’s virtual bank account, the funds are automatically converted to the configured stablecoin (USDC or USDT) and delivered to the designated wallet. 
Payer                    Virtual Bank Account              Designated Wallet
(sends USD)              (per account, US bank)            (USDC or USDT)

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

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Off-Ramp (USDC/USDT → USD)

When stablecoins are sent to an off-ramp account’s deposit address, the funds are converted to USD and delivered to the configured bank account. 
Source Wallet            Crypto Deposit Address            Bank Account
(sends USDC/USDT)        (per account)                     (USD)

  $50,000 USDC ────────►  Account receives crypto ────────►  $49,875 USD delivered
                           Auto-converts to USD               (fee deducted, via ACH/Wire/SWIFT)

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Fee Model

A percentage-based fee is deducted from each transaction before delivery. The fee is expressed in basis points (bps) and applies to both on-ramp and off-ramp. Example — $50,000 transaction at 25 bps total fee:
Amount
Amount in$50,000.00
Fee (25 bps)$125.00
Delivered$49,875.00
Fees are deducted automatically — no invoicing required.

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Payment Rails

Each ramp account is created with a specific payment rail:
RailDescription
achACH transfer — standard US bank transfer (default)
fedwireFedwire — same-day US wire transfer
swiftSWIFT — international wire transfer
You select the rail when creating each on-ramp or off-ramp account.

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Wallet Model

Each ramp account is bound to a specific wallet:
  • On-ramp accounts have a destination wallet — where USDC/USDT is delivered
  • Off-ramp accounts have a source wallet — where USDC/USDT is sent from
A single recipient can have multiple on-ramp and off-ramp accounts, each targeting different wallets, assets, or networks.

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Recipient Lifecycle

Create Recipient ──► KYB Pending ──► KYB Submitted ──► KYB Approved ──► Create Accounts
                                                   └──► KYB Declined
  1. You create a recipient via POST /v1/ramp/recipients (optionally with address)
  2. RebelFi returns a hosted KYB URL
  3. The recipient completes the KYB form
  4. On approval, RebelFi sends a customer.approved webhook
  5. You create on-ramp and/or off-ramp accounts for the recipient
Accounts are not auto-created — you explicitly create them after KYB approval. This gives you full control over which recipients get which account types.

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Transaction Lifecycle

Once a recipient has an active account, transactions flow through these states:
StatusMeaning
pendingDeposit detected, conversion not yet started
processingConversion in progress
completedFunds delivered
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.