Dollar savings

Your money in US dollars,
working for you.

Save in US dollars and earn variable interest from day one. Start from just 350 KES, with no account fees and no restrictions on when you can withdraw.

Saving in dollars, built for everyone

~5%

Interest added
every day

350 KES

All it takes
to start saving

0×

Account fees
and hidden costs

100%

Savings fully backed
by real US dollars

A stable store of value

Your money shouldn't lose value while it sits still.

When you save in shillings, inflation and currency swings quietly chip away at what you've set aside. Regini holds your savings in US dollars, one of the world's most stable currencies, so your hard-earned money keeps its worth and grows.

~20 %

KES lost vs USD
over the last decade

~5 %

Variable interest on
your dollar savings

100,000 saved, over 10 years

Real value retained, illustrative

In US dollars In shillings

Year 1Year 5Year 10

Not like other crypto

Dollar savings is different from risky crypto.

Bitcoin and Ethereum can rise or fall sharply at any time. USDC is different: it is a digital dollar designed to always be worth $1, not to be traded for profit.

US dollar savings (USDC)

Predictable, stable value

Pegged 1:1 to the US dollar; 1 USDC is always worth $1

Backed by real cash and US government bonds, not speculation

Value doesn't swing overnight; built for saving, not trading

Issued by a regulated US company with monthly audited reserves

Earn variable interest while your savings stay fully protected

Volatile crypto (Bitcoin, Ethereum, etc.)

Speculative, high risk

Prices can drop 50%+ in days; extreme volatility is the norm

Not backed by real assets; value depends entirely on speculation and sentiment

No predictable returns; you could gain or lose your entire deposit

Often unregulated with little to no consumer protection

Made for trading and speculation, not for saving

The asset

What is USDC?

USDC is a digital version of the US dollar, issued by Circle, a regulated US financial company. Every USDC is backed 1:1 by real US cash and short-dated US government bonds held in reserve. Think of it like a dollar in your pocket, but in digital form.

Circle publishes monthly reports from an independent auditor, confirming that every USDC is matched by real assets. This gives you confidence that your digital dollars are always backed by real money, unlike speculative cryptocurrencies.

When you deposit KES with Regini, we convert your money to USDC at the live exchange rate. When you withdraw, we convert back. Your balance is always shown in USD so you can track its real value.

1:1 backed

Every USDC in circulation is matched by one US dollar (or equivalent) held in regulated, audited reserve accounts.

Regulated issuer

Circle is regulated in the US and publishes independent monthly reports confirming that every USDC is backed by real money.

Redeemable 1:1

USDC can be redeemed for US dollars at any time. When you withdraw from Regini, we convert your USDC back to KES at the live rate.

How your savings earn money

Where your interest comes from.

Your savings don't just sit idle. Regini lends them out through trusted financial platforms, where they earn interest from borrowers. You receive a share of that interest, added to your balance every day.

Earnings rates can change with market conditions. The rate shown is what you actually earn, after any fees are taken.

Rates are approximate and variable. Past rates are not a guarantee of future returns. Always read our General Risk Warning before depositing.

How interest flows to you

Lending platforms

Borrowers pay interest on their loans

Kamino

Lends your savings to vetted borrowers, earning interest

Regini

Manages your account, KES ↔ USD conversion

Your account

Interest added to your account daily

Interest is added every day on your balance. Even small balances earn from your very first deposit.

How we compare

Built different from a regular
savings account.

What matters		Shilling bank savings	Cash at home
Currency you save in	US dollars (USDC)	Kenyan shillings	Kenyan shillings
Protects you if shilling loses value	Yes	No	No
Interest you earn	~5% variable, added daily	Often below inflation (loses real value)	None
Minimum to start	350 KES	Higher minimums common	Any amount
Account fees	None	Monthly & ledger fees	None
When you can access money	Instant, 24/7 via M-Pesa	Bank branch hours only	On hand, but can be lost or stolen

Know the risks

Honest about what can go wrong.

Regini is not a bank. Saving this way carries real risks. Read these before you deposit anything.

Dollar value risk

In rare extreme situations, the value of USDC could temporarily fall slightly below one US dollar. This is uncommon but possible.

Variable earnings risk

Earnings rates are not fixed or guaranteed. They can change with market conditions and may decrease, including potentially to zero.

Third-party platform risk

Regini uses third-party platforms to generate your earnings. If any platform fails or is hacked, it could affect your funds.

Currency exchange risk

When you deposit or withdraw, your money is converted between KES and US dollars at that day's rate. If the shilling strengthens, you may receive fewer shillings when you withdraw.

Technology & security risk

Software bugs or security incidents could affect your funds. We apply industry best practices but cannot guarantee zero risk.

Regulatory risk

The rules for digital savings platforms are still being developed in Kenya and globally. Future changes may affect how Regini operates or how your funds are held.

Regini is not a licensed bank and funds are not covered by a government deposit guarantee. Never deposit more than you can afford to lose. Read our full General Risk Warning.

Start saving in US dollars today.

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Your money in US dollars,working for you.