Build digital dollars into your product with Regini.
Regini provides digital dollar infrastructure for organizations that want to offer USDC, variable yield, and financial services to their communities, without building it from scratch.
Everything your members need to save in digital dollars.
Regini gives your organization a complete digital dollars platform: accounts, yield, disbursements, and group finance, accessible via the mobile app, WhatsApp and USSD.
See how it worksDigital dollar accounts
Every member gets their own Regini account with access to digital dollars (USDC). Eligible balances may earn variable yield. No bank account required.
Group & welfare funds
Create shared accounts for welfare groups, SACCOs, or benefit programs. Full visibility into contributions, balances, and disbursements.
Payroll & disbursements
Pay workers, beneficiaries, or suppliers directly into their Regini account. Schedule recurring payroll or trigger one-off grants and stipends.
White-label experience
Launch under your own brand. Regini powers the accounts, yield, and compliance behind the scenes. Your members see your product.
Built for organizations that serve communities.
Any organization that moves money to or on behalf of people in Africa can use Regini as their digital dollar infrastructure.
Add a digital dollar benefit
Offer staff access to digital dollars as part of their compensation package. Employees can convert a portion of their salary into USDC directly from payroll, with no extra work for HR after setup.
- Attract and retain talent
- Strengthen financial well-being
- No extra payroll overhead
Disburse funds without cash leakage
Pay stipends, grants, or welfare into individual accounts your beneficiaries control. Every transaction is auditable. No cash handling, no middlemen.
- Full disbursement audit trail
- Beneficiaries keep what they earn
- No bank account required
Offer members digital accounts
Replace paper-based records with fully digital accounts. Members save, earn yield, and withdraw via M-Pesa. You retain full visibility.
- Earn yield on pooled funds
- Digital member records
- Group account controls
Embed digital dollars into your platform
Add digital dollars and yield to your existing product via REST API. Regini handles custody, compliance, and KYC. You own the user relationship.
- Go live in 2 to 4 weeks
- Full API control
- White-label ready
From agreement to live program in weeks.
We have done this before. Our onboarding is designed to get your organization live quickly, with as little friction as possible.
Start the conversationSign a partnership agreement
We handle regulatory and compliance requirements. You focus on your members and program design.
Set up your program
Define contribution rules, contribution schedules, and group structures through our partner dashboard or API. No engineering required for basic programs.
Invite your community
Members join via M-Pesa number, WhatsApp, or your own platform. No smartphone, no bank account, no paperwork required.
Members save and earn
Every member earns ~5% variable annual yield. They withdraw to M-Pesa anytime. You get full visibility into balances and activity.
Built for how your team works.
Whether you have an engineering team or not, there is a clear path to going live with Regini.
REST API
Full programmatic control. Create accounts, manage groups, trigger disbursements, and receive webhooks via a clean REST API.
- Webhook events for every transaction
- Sandbox environment included
- JSON, REST, Kenyan fintech-grade uptime
Partner Dashboard
Manage your accounts from a web portal. Add members, view balances, trigger disbursements, and download reports. No engineering resources needed.
- Bulk member import via CSV
- Scheduled and one-off disbursements
- Real-time balance and activity reports
- Role-based access for your team
Managed Service
We configure, operate, and support your accounts end-to-end. Best for NGOs, welfare funds, and organizations without technical teams.
- Dedicated program manager
- Custom onboarding flows for your members
- Monthly reporting and reconciliation
- Priority support with SLA
Built for African organizations and communities.
We are not adapting a global product for Africa. We built Regini specifically for how money moves here, from M-Pesa to informal workers to group accounts.
No infrastructure to build. No compliance burden. No minimum account balance. Just a product your community will actually use.
No infrastructure to build
Accounts, wallets, yield, and reporting are all handled by Regini.
Compliance fully covered
KYC, AML, and regulatory requirements are managed by our compliance team.
~5% variable yield
Variable annual yield is earned and credited daily, with no minimums.
M-Pesa native
Deposits and withdrawals work via standard M-Pesa. No bank account or smartphone required.
Full audit trail
Every deposit, withdrawal, and disbursement is logged and exportable.
Group account controls
Manage welfare funds, SACCOs, or employer programs with shared visibility and controls.
Simple, transparent pricing.
No setup fees. No lock-in. Start free and scale as your platform grows.
* Performance fee is charged as a percentage of the net yield generated on the platform, never on deposits or principal. The fee is automatically deducted from earned yield, and all displayed APY figures are shown net of performance fees.
Compare all featuresEverything you need to choose the right plan.
| Launch | Growth | Scale | Custom | |
|---|---|---|---|---|
| Limits | ||||
| Wallets | 100 | 500 | 5,000 | Unlimited |
| Transactions/month | 50 | 2,500 | Unlimited | Unlimited |
| Performance fee | 15% | 12.5% | 10% | Custom |
| Core infrastructure | ||||
| Personal accounts | ||||
| Group accounts | ||||
| Wallet infrastructure | ||||
| API access | ||||
| Access channels | ||||
| WhatsApp (Regini branded) | — | |||
| USSD (Regini branded) | — | |||
| Operations | ||||
| Bulk onboarding | — | |||
| Bulk deposits & payouts | — | |||
| Automated contribution rules | — | — | ||
| Payroll integrations | — | — | ||
| Analytics & reporting | ||||
| Basic analytics dashboard | ||||
| Advanced analytics | — | |||
| Custom reporting | — | — | — | |
| Support & customisation | ||||
| Standard support | ||||
| Priority support | — | — | ||
| Dedicated support & SLAs | — | — | — | |
| White-label & custom branding | — | — | — | |
| Custom integrations | — | — | — | |
| Dedicated infrastructure | — | — | — | |
Optional add-ons
Available on Growth and above.
Frequently Asked Questions
Do my members need a smartphone?
No. Members can deposit and withdraw entirely via M-Pesa, no smartphone, no app, no bank account required. A smartphone unlocks the full app experience, but it is not needed to save.
Who holds the funds?
Member funds are held in custody by Regini, a registered Kenyan company operating in accordance with Kenya's KYC and AML requirements. Your organization does not hold or touch the funds directly.
How do members earn yield?
Member funds are converted to USDC and deployed into yield-generating protocols. Variable yield of approximately 5% per year is passed through to members and credited daily. Rates are not guaranteed and may change.
How long does it take to go live?
Most partners are live within 2 to 4 weeks of signing a partnership agreement. API integrations may take longer depending on your engineering team. Managed service and dashboard programs can go live faster.
What counts as a transaction?
Any deposit into or withdrawal from a wallet counts as one transaction. Internal transfers between wallets on the same account also count. Yield credits do not count as transactions.
What happens when I hit my transaction limit?
You'll receive an email notification at 80% usage. At the limit, new transactions will be paused until the next billing cycle or until you upgrade. We never silently drop transactions.
See Regini in action.
See how Regini can help your organization offer digital dollars to employees, members, or communities.
Book a demo30-minute call. No commitment.
In a 30-minute demo we'll show:
- How onboarding works
- How funds and yield are managed
- Available integrations and channels (App, WhatsApp, USSD)
- Pricing and implementation options