REDFi Treasury
One Treasury for Fiat, Stablecoins, and Global Payments
Treasury is how a person or business manages money coming in, balances sitting still, currency exposure, and payments going out. REDFi connects those activities across supported fiat and stablecoin rails in one platform, so you decide when to hold, when to convert, and when to pay.
Available to eligible customers in 86+ countries. KYC/KYB, jurisdiction, compliance review, fees and partner approval apply.
The loop
Receive, hold, convert, pay — on your schedule
The point of a treasury is not that money moves faster. It is that you choose when it moves.
- 01
Collect
Receive supported payments by domestic wire, or supported stablecoins to your deposit address.
- 02
Consolidate
See every balance and transaction in one dashboard instead of three apps.
- 03
Hold
Keep operating funds in a dollar-denominated balance until they are actually needed locally.
- 04
Convert
Choose when and how much to convert. Rates and fees are shown before you confirm.
- 05
Pay
Send to suppliers, contractors and local bank accounts through supported rails.
- 06
Control
Review and export transaction history, with role-based access for your team.
What actually moves
Supported rails, in and out
Listed separately, because what you can receive and what you can send are not the same thing.
Getting money in
Domestic wire is the supported way to receive USD. Supported stablecoins can also be sent to your deposit address.
| Rail | Currency | Notes |
|---|---|---|
| Domestic wire (Fedwire) | USD | First-party and third-party payments are both supported. |
Paying money out
Convert and send to a supported local rail when the money is actually needed.
| Rail | Currency | Where |
|---|---|---|
| SEPA | EUR | Euro area. |
| PIX | BRL | Brazil. |
| SPEI | MXN | Mexico. |
| Bre-B | COP | Colombia. |
| GBP Faster Payments | GBP | United Kingdom. |
What happens when money arrives
All supported incoming fiat and stablecoins are automatically converted to USDB. This applies to every verified and active account with a supported custodial wallet in a supported jurisdiction.
Your dashboard shows the balance as USDB. It is not held as a fiat balance.
What you can do from that balance
- Convert USDB back to USD
- Send USD to a supported bank account
- Convert and pay out to supported fiat currencies, including COP, MXN, BRL, EUR and GBP
- Withdraw supported stablecoins to an external wallet
- Transfer USDB to another REDFi user
- Access supported payout functionality 24/7
Subject to jurisdiction, account status, custodial-wallet support, transaction screening, and dashboard availability.
Three ways people use it
| Level | Who | What it does |
|---|---|---|
| Personal treasury | Freelancer, creator, remote worker | Manage global earnings and local spending from one account. |
| Business treasury | SMB, e-commerce, global team | Manage revenue, working capital, suppliers and payroll across currencies. |
| Team treasury | Larger operators | Multi-user access with role-based controls over who can move money. |
In practice
What this looks like with real money
USD revenue, COP expenses
Receive USD, keep an operating buffer, and convert and send COP through Bre-B when local costs fall due.
USD revenue, MXN payroll
Manage dollar inflows and pay supported Mexican bank accounts through SPEI on payroll day.
USD revenue, BRL suppliers
Convert and disburse through PIX when supplier invoices are due, rather than on the day the money arrived.
Stablecoin-native revenue
Receive supported stablecoins, manage them inside REDFi, and pay out through a supported destination.
Global contractor payouts
Fund one treasury and pay contractors through whichever supported rail reaches each destination.
Availability, rates, settlement time, review and limits vary by rail, destination and jurisdiction. Applicable fees and limits are shown in your REDFi dashboard, and every fee is shown before you confirm a transaction.
Rewards on eligible balances
A feature of holding a balance, not a reason to hold one.
| Eligible USDB balance | Rate |
|---|---|
| Eligible balances up to $100,000 | 2.0% annualized |
| $100,000 to $500,000 | 2.5% annualized |
| Above $500,000 | 3.0% annualized |
Rewards accrue daily and are distributed monthly, by the fifth business day of the following month.
REDFi Rewards are variable promotional rewards, not interest or guaranteed investment returns. Eligibility, exclusions and distribution timing are governed by the REDFi Rewards terms.
Who is eligible
Open to eligible individuals and businesses. Subject to KYC/KYB, country availability, compliance review, and partner approval.
The 86 listed countries support pay-ins and payouts, including supported fiat and stablecoins. See the full country list, which is the source of truth for where REDFi is available.
Limits, risks and what REDFi is not
- All payments and financial rails are supported and safeguarded through compliant, qualified service providers. REDFi is a financial technology platform, not a bank.
- Digital assets carry risk. Balances are held as USDB, a dollar-denominated stablecoin, not as a bank deposit.
- REDFi Rewards are variable promotional rewards, not interest or guaranteed investment returns. Eligibility, exclusions and distribution timing are governed by the REDFi Rewards terms.
- Availability, settlement time and eligibility vary by rail, destination, jurisdiction, compliance review and partner availability.
- Applicable fees and limits are shown in your REDFi dashboard, and every fee is shown before you confirm a transaction.
Treasury questions
What is a stablecoin treasury?
It is how you manage money that arrives, sits, and leaves — using a dollar-denominated stablecoin as the balance you hold between receiving and paying, instead of moving through several separate providers.
Can a small business use it?
Yes. Treasury here is a workflow, not a minimum. The same receive-hold-convert-pay loop applies whether you are one freelancer or a team.
Can individuals use treasury features?
Yes. Individuals get the same account, balance and payout capabilities, subject to eligibility.
What happens to money after it is received?
All supported incoming fiat and stablecoins are automatically converted to USDB. Your dashboard shows the balance as USDB, not as a fiat balance.
Can funds be paid to external bank accounts or wallets?
Yes — to supported bank accounts through the local rails listed above, and to external wallets for supported stablecoins, subject to screening and limits.
How do fees and rates work?
Every fee and rate is shown before you confirm a transaction, and applicable fees and limits are shown in your dashboard.
Is REDFi an investment manager, bank, or custodian?
No. REDFi is a financial technology platform, not a bank. Payments and financial rails are supported and safeguarded through compliant, qualified service providers.
REDFi Rewards are variable promotional rewards, not interest or guaranteed investment returns. Eligibility, exclusions and distribution timing are governed by the REDFi Rewards terms.