Grow
your savings.
Open a US-dollar savings account in minutes and earn interest from day one, starting with as little as 350 KES.
- Start saving in US dollars from just 350 KES
- No minimum balance to start earning
- No account fees and no hidden costs
Not a bank. Yield is variable. Read risk warning →
Regini is on a mission to empower millions of Africans to achieve their financial goals through accessible, honest financial services.
Simple tools to help your money grow.
Save in US dollars, one of the world's most stable currencies, without the complexity, the paperwork, or the high fees.
See how it worksSave in US dollars
Hold your savings in US dollars, one of the world's most stable currencies. Your money is protected if the shilling loses value.
Earn ~5% interest
Interest is added to your balance every day, so your money keeps growing, even while you sleep.
No hidden fees
No account fees and no hidden costs. We're always transparent about any fee before you ever incur it.
Start from 350 KES
Forget high minimum deposits. Open an account and start growing your savings with just a few taps.
Instant M-Pesa deposits
Fund your account straight from M-Pesa. Money lands in your savings and starts earning right away.
Strong security measures
Registered with Kenya's Office of the Data Protection Commissioner, with strong identity verification following Kenya's KYC and AML requirements, so your money and details stay safe.
Access Regini your way.
Whether you have the latest smartphone or a basic feature phone, saving in dollars is always within reach.
Mobile App
Open an account, deposit, check your balance and withdraw, all from a clean, simple app.
Check your balance, deposit or request a withdrawal without installing anything. Just send a message.
USSD Soon
No smartphone required. Access your savings from a basic phone using a simple USSD menu.
Available 24/7
Your money is yours. Deposit, check and withdraw whenever you need, day or night, any day of the week.
Save in US dollars in four easy steps.
With just a few taps you'll be up and running, ready to watch your money grow.
Join waitlist for early accessOpen a free account
Download the app and sign up with just your phone number, it takes a couple of minutes.
Confirm your identity
A quick identity check using your national ID. This keeps your account secure and meets legal requirements.
Deposit from M-Pesa
Add money from M-Pesa. It lands in your savings instantly and starts earning right away.
Earn interest every day
Interest is added to your account every day, automatically. No minimum balance needed to start earning.
How we keep your money safe.
Your savings are held as US dollars, fully backed by real cash and protected by strong security systems.
Savings held as US dollars
Your savings are held in USDC, a regulated digital dollar, fully backed 1:1 by real cash and US government bonds. It is not speculative crypto.
Secure fund protection
Your funds are protected using a trusted security platform used by major financial companies globally. We do not hold your funds in a simple internal wallet.
Identity verification
Every user completes a quick identity check with their national ID, in line with Kenyan legal requirements.
Data Protection registered
Registered with Kenya's Office of the Data Protection Commissioner; your data is handled under the Data Protection Act 2019.
Regini is not a licensed bank and funds are not covered by a government deposit guarantee. Read our General Risk Warning before depositing.
Frequently Asked Questions
What is Regini?
What are digital US-dollar accounts?
How do my savings earn money?
What do I need to create an account?
What are the fees for using Regini?
How do I add or withdraw money?
Is my money safe with Regini?
What support does Regini offer?
Start saving in US dollars today.
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What is Regini?
Regini is a Kenya-based digital savings platform. It lets anyone in Kenya open a US-dollar savings account in minutes, deposit via M-Pesa starting from 350 KES, and earn variable yield of approximately 5% annually, accrued daily.
Savings are held in USDC, a regulated US-dollar stablecoin issued by Circle. Regini is not a bank and customer funds are not protected by a government deposit guarantee scheme. Yield is variable and not guaranteed.
Regini is designed for Kenyan savers who want to protect their money from KES inflation and earn better returns than a typical Kenyan savings account, without needing a US bank account or crypto expertise.
Regini serves two audiences: individual Kenyan savers through its mobile app and M-Pesa integration, and African fintechs, NGOs, SACCOs, and employers through its savings infrastructure API, enabling them to offer USD savings products to their communities without building the underlying compliance and custody infrastructure themselves.