Smart Pools
Smart Pools
Introduction to Smart Pools
Smart Pools are a new financial primitive built by RebelFi that enable programmable pooled accounts with customizable access controls for both principal and yield. At their core, Smart Pools solve a fundamental challenge in financial services: creating flexible, programmable coordination between deposited funds and the yield they generate.
Smart Pools allow for unprecedented customization of:
Who can deposit funds
Who controls the principal (deposited funds)
Who receives the generated yield
What conditions or rules govern access to both principal and yield
This separation between principal and yield management, combined with programmable business logic, creates possibilities that simply don't exist in traditional finance.
Key Features
Programmable Principal Access: Choose whether users, businesses, or smart contracts can withdraw or spend deposited funds.
Flexible Yield Distribution: Configure who earns the interest generated from pooled funds—the depositor, the business, or both.
Business Logic Layer: Add rules like time locks, subscription billing, loyalty rewards, or conditional access.
On-Chain Transparency: Fully auditable and decentralized on Solana, ensuring security and instant settlement.
Business Applications
Smart Pools unlock a wide range of business applications beyond prize-linked savings:
1. Merchant Account Infrastructure (FBO Accounts)
Use Case: Businesses can create prepaid customer accounts (like Starbucks cards)
Configuration: Customers deposit funds, merchants can debit for purchases, yield is used to fund bonuses or discounts
Value: Businesses gain interest-free operating capital while offering enhanced customer value
2. Subscription & Membership Models
Use Case: Upfront subscription pools that generate yield while funds await billing
Configuration: Users deposit upfront, businesses debit subscription fees periodically
Value: Lower subscription costs while generating predictable revenue
3. Loyalty & Rewards Programs
Use Case: Yield-enhanced staking programs for brands
Configuration: Users "stake" funds with a brand for a period, yield is split or goes to the brand
Value: Enhanced customer loyalty with tangible financial benefits
4. Group Saving Coordination
Use Case: Goal-based saving for teams, families, or communities
Configuration: Multiple users deposit to a shared goal, funds lock until target date
Value: Collaborative saving with yield acceleration and commitment mechanisms
5. Escrow & Payment Infrastructure
Use Case: Yield-bearing escrow accounts
Configuration: Funds lock until conditions are met, yield benefits either party
Value: More efficient capital use during transaction settlement periods
6. In-App Currency Backing
Use Case: Transparent, yield-generating reserves for in-game/in-app currencies
Configuration: User purchases create deposits, yield funds platform costs or user rewards
Value: Enhanced platform economics with new revenue streams
Differentiation from PoolTogether
While Lucky Stash shares the core "prize-linked savings" concept with PoolTogether, Smart Pools offer significant advancements:
1. Infrastructure vs. Application
PoolTogether: A specific no-loss lottery application
Smart Pools: A flexible financial primitive that powers multiple applications (including prize-linked savings accounts)
2. Customization & Control
PoolTogether: Fixed parameters for prize distribution and pool management
Smart Pools: Fully customizable business logic, yield distribution, and access controls
3. Business Integration
PoolTogether: Consumer-focused with limited business application
Smart Pools: Designed to integrate with business operations and create new business models
4. Blockchain Implementation
PoolTogether: Ethereum-based with associated gas costs and transaction times
Smart Pools: Built on Solana for near-instant, low-cost transactions and settlements
5. Yield Sources
PoolTogether: Limited to specific DeFi protocols
Smart Pools: Flexible yield generation through multiple protocols and strategies
6. Governance Model
PoolTogether: DAO-governed protocol
Smart Pools: Modular building blocks that can be governed by businesses, DAOs, or other entities
Technical Architecture
Smart Pools consist of three main components:
Core Smart Contracts: Handle deposits, withdrawals, and yield direction
Business Logic Layer: Customizable rules for access, distribution, and conditions
Integration APIs: Connect Smart Pools to applications, wallets, and services
This modular architecture allows for rapid deployment of new pool types and seamless integration with existing business infrastructure.
Strategic Advantages
Customizable Revenue Streams: Monetize yield-sharing, premium business features, or white-labeled pool creation.
Ecosystem Stickiness: Funds parked in Smart Pools increase user retention and AUM.
Composable Infrastructure: Developers and merchants can build on top of RebelFi Smart Pools for their own use cases.
LuckyStash: Our First Implementation
Deposit stablecoins and maintain full access to principal
Choose how much yield to share with the prize pool vs. keep as personal returns
Participate in daily prize drawings funded by the shared yield
Earn boosters to increase winning chances
Getting Started
Ready to explore Smart Pools?
Developer resources: Review our API documentation below
Custom implementation: Contact us for custom Smart Pool deployments for your business at [email protected]
Smart Pools represent the future of programmable finance, enabling new models of capital coordination that weren't possible before. Whether you're building a savings app, a loyalty program, or a new business model entirely, Smart Pools provide the infrastructure to make it happen.
For more information, contact us at [email protected]
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