Built for Africa's informal economy

The fastest way to pay informal workers across Africa

Give your platform wallets, payroll, and savings in weeks — with a single API built for M-Pesa, USSD, and the full African informal workforce.

Weeks
not years, to go live
$0.002
per transfer, any amount
100%
workforce reach, no smartphone needed
Your platform
Gig app
Marketplace
NGO portal
Agri platform
Regini API
POST /wallets
POST /transfer
POST /payroll
Regini infrastructure
WalletsPaymentsPayrollSavingsUSSD
Underlying rails
Stablecoin
M-Pesa
Banking
API live
Products

What you can build with Regini

Four infrastructure primitives. Combine them to launch any financial product for the African informal economy.

Wallet infrastructure

Every worker on your platform gets their own USD wallet — instantly. No bank account, no paperwork. Secure key management and KYC-lite onboarding included.

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Offline finance

Reach 100% of your workforce, not just smartphone users. Workers transact via USSD or WhatsApp — no app, no data plan, no barriers.

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Payments & stablecoins

Send money anywhere in Africa at $0.002 per transfer. Stablecoin rails with M-Pesa, Airtel, and bank on/off ramps — no correspondent banking complexity.

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Payroll & smart savings

Pay thousands of workers in a single API call. Set savings rules so workers automatically build a financial cushion — without thinking about it.

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Why Regini

What you can stop worrying about

Global infrastructure tools weren't built for informal workers, offline phones, or micro-transactions. We were.

Reach every worker, not just smartphone users
USSD menus and WhatsApp mean workers on any phone can save, send, and withdraw — no data plan or app required. Stop leaving half your workforce behind.
Pay any amount — even 10 KES
Built for micro-transactions from day one. No minimums, no per-transaction fees that eat into small payouts. Viable unit economics at any scale.
Onboard workers without formal IDs
KYC-lite onboarding means a phone number and a photo get workers live. Every transaction then builds an on-chain reputation that unlocks credit over time.
Move money across borders without a bank
USD stablecoin rails settle in seconds with local KES on/off ramps. No correspondent banking, no 3-day delays, no $15 wire fees.
Integrate in days, not months
REST APIs with SDKs in Node, Python, and Go. A sandbox environment means your engineers can test the full payment flow before writing a line of production code.
Your data gets smarter over time
Every payment your platform processes builds creditworthiness profiles for your workers — unlocking loans, insurance, and higher-value financial products as you scale.
Who builds with Regini

Example use cases

Gig platforms
Pay drivers & couriers instantly
Agri platforms
Pay farmers, enable savings
Marketplaces
Escrow & seller payouts
NGOs
Distribute digital aid
See all use cases
Pricing

Start free. Scale as you grow.

No setup fees. No minimum commitment. Pay only for what you use.

View full pricing
Starter
Free
500 wallets
Growth
$299/mo
50k wallets
Scale
Custom
Unlimited

Launch financial services in weeks, not years.

Everything you need to embed wallets, payments, and payroll into your platform — in a single API.

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