RebelFi

RebelFi is a programmable stablecoin infrastructure platform that gives fintech developers, payment processors, and enterprises the tools to add yield generation and conditional payment logic to their stablecoin operations. Rather than operating a consumer-facing wallet or exchange, RebelFi positions itself as middleware between stablecoin custodians and end-user payment applications, handling the complexity of DeFi yield optimization while preserving custody entirely on the client side.

The Problem RebelFi Solves

Payment platforms and fintechs routinely hold large stablecoin balances during the settlement gap — the 3–5 days between when funds are received and final settlement clears. In traditional financial systems this capital earns nothing or sits in low-yield accounts. For a platform processing $10 million in monthly volume, roughly $800,000 in float may be idle at any given moment. RebelFi converts this dead capital into yield-generating positions inside the same transaction that receives the funds, eliminating the gap between liquidity and returns.

Beyond yield, standard stablecoin transfers lack programmability: a payment is either final or it is not. RebelFi adds a smart contract layer that enables conditional execution (funds release upon delivery confirmation), reversible payment windows, and milestone-based disbursements, without requiring clients to build and audit their own smart contracts.

Core Mechanism

RebelFi's product is a TypeScript SDK accessed via a single API key. The architecture is non-custodial by design: the SDK generates unsigned transactions that the client application must sign and broadcast using its own custody solution or wallet. RebelFi never holds private keys and has no technical capability to move client funds unilaterally.

The workflow follows four steps:

1. Discovery — The client queries available yield venues via client.venues.list(), which returns current APY rates and strategy metadata across all supported protocols.
2. Planning — The client requests a supply or unwind operation and receives unsigned transactions.
3. Signing — The client signs transactions through its own custody infrastructure. On Solana these are VersionedTransactions; on EVM chains, approval-plus-supply flows may involve multiple steps.
4. Submission — Signed transactions are broadcast, and the transaction hash is submitted to RebelFi via client.transactions.submitHash() for monitoring and reconciliation.

Yield deployment is atomic: funds begin earning the moment they arrive, rather than after a separate manual deposit step. The SDK continuously rebalances between protocols in real time to optimize returns, with the company estimating an additional 0.5–1.5% APY versus static single-protocol allocation.

Yield Protocols and Tiers

RebelFi routes funds across four DeFi lending protocols:

• Kamino Finance (Solana) — $1.7B+ TVL, sub-second transaction finality
• Aave v3 — Crossed $1 trillion in cumulative lending volume in February 2026, with no reported loss of lender principal
• Morpho — $4B+ TVL, isolated market architecture
• Compound — Operational since 2018

Clients choose between two yield tiers. The Standard Tier delivers 4–7% APY through overcollateralized lending across these protocols. The Managed Tier targets 7–11% APY by layering delta-neutral strategies on top of the base lending exposure.

Programmable Payment Features

The platform's Secure Transfers product adds conditional payment logic via smart contracts and Chainlink oracle integrations. Payment flows can be configured to release funds in tranches upon external condition fulfillment (such as a supply-chain milestone), provide reversible payment windows before final settlement, or automatically escrow funds that earn yield throughout the hold period with yield distributed at release.

RebelFi positions these capabilities as replacements for traditional instruments like letters of credit in B2B trade finance and manual escrow services in marketplace payments.

Supported Networks and Assets

Primary yield execution runs on Solana, selected for its transaction throughput (~65,000 TPS) and low per-transaction cost (~$0.0001). Client deposits and withdrawals are also supported on Ethereum mainnet and Base. USDC and USDT are the primary stablecoins, with additional assets accommodated depending on protocol availability. Arbitrum and Tron are not currently supported.

Pricing and Integration

RebelFi charges approximately 15% of yield generated, with no flat fees and no minimum volume requirements. Enterprise pricing is available for platforms deploying $50 million or more in average float. The company's documentation states that a fintech with existing stablecoin wallet infrastructure can integrate the SDK in 2–4 weeks.

Team and Background

RebelFi was co-founded in 2023 by Simon Pettibone and Aleksandar Perak, and is headquartered in Medellin, Colombia. As of mid-2026 the company has three employees and has not raised external funding. No institutional investment rounds have been disclosed.

Security Model

RebelFi's non-custodial architecture means the company cannot move client funds without the client's active participation in transaction signing. Underlying protocol risk is mitigated by routing only through battle-tested venues with multi-year track records and substantial TVL. No specific independent security audit of RebelFi's own SDK or smart contract layer has been publicly disclosed.

Solana Ecosystem Fit

RebelFi's use of Solana as its primary yield execution chain reflects the network's suitability for high-frequency, low-cost stablecoin operations. Kamino Finance — one of Solana's largest lending protocols — is a core yield venue in the Standard and Managed tiers, and the SDK uses Solana's VersionedTransaction format for efficient batched instruction execution. RebelFi operates at the infrastructure layer of the growing stablecoin payments ecosystem on Solana, targeting the segment of fintech builders who want yield and programmability without managing their own DeFi integrations.