General Risk Warning
Last updated: 01 May 2026
This Risk Warning explains the key risks associated with using Regini's services. Please read it carefully before using our platform.
Regini is not a bank, and customer funds are not protected by a government deposit guarantee scheme. Saving through Regini involves risks, including the potential loss of part or all of your savings.
By using Regini, you acknowledge that you understand and accept these risks.
1. No Personal Advice
Regini does not provide financial, investment, legal, or tax advice. Any information provided through our platform is for general educational purposes only. You are responsible for determining whether Regini's services are appropriate for your personal circumstances.
2. Stablecoin Risk
Your savings are held in USDC, a digital asset designed to maintain a value close to one US Dollar.
Although USDC is intended to remain stable, it may lose its peg to the US Dollar temporarily or permanently. In extreme circumstances, this could result in losses.
3. Yield & Counterparty Risk
To generate yield, Regini may deploy customer funds to approved third-party protocols, service providers, or financial arrangements.
These providers may experience operational failures, security incidents, insolvency, fraud, or other adverse events that could affect customer funds.
Yield is not guaranteed and may increase, decrease, or stop entirely at any time.
4. Foreign Exchange (FX) Risk
Deposits and withdrawals may involve conversion between Kenyan Shillings (KES) and US Dollars.
Changes in the KES/USD exchange rate may increase or decrease the local currency value of your savings, regardless of any yield earned.
5. Technology & Security Risk
Regini relies on blockchain networks, software systems, mobile networks, cloud infrastructure, and third-party service providers.
Technical failures, software bugs, cyberattacks, network disruptions, or security incidents may impact access to your account, deposits, withdrawals, or savings.
6. Custody Risk
Regini safeguards customer funds using secure digital asset infrastructure and operational controls.
However, as with any digital asset platform, there remains a risk of loss arising from operational failures, human error, security incidents, or failures of third-party service providers.
7. Liquidity Risk
In normal circumstances, you can request withdrawals at any time.
However, withdrawals may occasionally be delayed due to blockchain congestion, liquidity constraints, operational requirements, third-party service providers, or the time required to unwind yield-generating positions.
8. Legal & Regulatory Risk
Digital assets and stablecoins are subject to evolving laws and regulations.
Changes in laws, regulations, government policies, or regulatory interpretations may affect Regini's services or your ability to deposit, withdraw, hold, or transfer digital assets.
9. Tax Responsibility
You are solely responsible for understanding and complying with any tax obligations that may arise from using Regini's services.
Regini does not provide tax advice.
10. Account Security
You are responsible for maintaining the security of your phone, PIN, passwords, verification codes, and account credentials.
If an unauthorized person gains access to your account, they may be able to initiate transactions that cannot be reversed.
11. Service Availability
While Regini aims to provide reliable services, we cannot guarantee uninterrupted availability.
Access to our platform may be affected by maintenance, system upgrades, technical issues, third-party providers, or events outside our control.
12. General Reminder
Before using Regini, you should ensure that you understand:
- The risks associated with stablecoins and digital assets.
- The risks associated with earning yield.
- The impact of foreign exchange fluctuations.
- The possibility of delays, service interruptions, or losses.
If you are unsure whether Regini is suitable for you, consider seeking independent financial, legal, or tax advice.
Only use funds that you can afford to place at risk.
Contact
Questions about risk? Email support@regini.finance or chat with us on WhatsApp at +254 704 133 503.