Save in
digital dollars.
Hold your savings in digital dollars and earn variable yield from day one, starting with as little as 350 KES.
- Start saving in digital dollars from just 350 KES
- No minimum balance to start earning
- No account fees and no hidden costs
Not a bank. Funds held in USDC. 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 save in digital dollars and earn variable yield.
Hold your savings in digital dollars without the complexity, the paperwork, or the high fees.
See how it worksSave in digital dollars
Hold your savings in digital dollars backed 1:1 by real US cash. Your balance isn't exposed to shilling volatility.
Earn ~5% variable yield
Variable yield is added to your balance every day. Rates can change with market conditions and are not guaranteed.
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 from M-Pesa. Your KES converts to digital dollars and starts earning variable yield 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 digital 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.
Reply with a number:
1️⃣ Check balance
2️⃣ Deposit
3️⃣ Withdraw
4️⃣ My account
$248.60 USD
Yield today: +$0.03
Reply 0 for main menu
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 digital dollars in four easy steps.
With just a few taps you'll be up and running and earning variable yield on your digital dollars.
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 converts to digital dollars and starts earning variable yield right away.
Variable yield, every day
Variable yield is added to your digital dollar balance every day, automatically. No minimum balance needed to start earning.
How we keep your money safe.
Your savings are held as digital dollars, fully backed by real cash and protected by strong security systems.
Savings held as digital 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 dollars?
How do I earn yield on my savings?
What do I need to create an account?
What are the fees for using Regini?
Regini charges a 10% performance fee on the earnings generated from your savings, which is automatically deducted, so the returns shown in the app are already net of fees.
Deposit and withdrawal fees may apply, but any applicable fee will always be shown before you confirm a transaction.
How do I add or withdraw money?
Is my money safe with Regini?
However, Regini is not a bank and your funds are not covered by a government deposit guarantee. As with any financial product, there are risks involved. Please read our General Risk Warning before depositing.
What support does Regini offer?
Start saving in digital dollars today.
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What is Regini?
Regini is a Kenya-based digital savings platform. It lets anyone in Kenya open a digital 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.