Infrastructure

Everything your platform needs to pay informal workers

Four infrastructure primitives. One API. Go from zero to paying your first workers in weeks, not months.

Wallet infrastructureOffline financePayments & stablecoinsPayroll & savings
01 · Wallet infrastructure

A wallet for every worker on your platform

Every user your platform onboards gets their own USD wallet — instantly, via API. No bank account required, no paperwork, no delays.

  • Embedded custodial wallets via API
  • HD wallet architecture — one master, millions of accounts
  • Instant transfers between wallets (zero gas for L2 USDC)
  • KYC-lite onboarding — phone number + ID photo
  • On-chain reputation score for credit unlocking
View wallet API docs
create_wallet.py
# Create a wallet for a new userimport regini client = regini.Client( api_key="rg_live_...") wallet = client.wallets.create({ "user_id": "usr_254712345678", "currency": "USDC", "kyc_level": "lite"}) # wallet.address → "0x7f4a..."# wallet.balance_usd → 0.00
USSD session example
Welcome to Regini
=
1. Check balance
2. Send money
3. Withdraw
4. Save
0. Exit
Enter: 1
Your balance
USD 24.50
(KES 3,185.00)
1. Back 0. Exit
02 · Offline finance

The only infrastructure that works without internet

Reach 100% of your workforce — not just the ones with smartphones. Workers use USSD menus or WhatsApp to save, send, and withdraw without a data plan or an app.

  • USSD session builder with your brand + shortcode
  • WhatsApp Business API integration
  • Full feature parity with the app: balance, send, save, withdraw
  • Multi-language support: English, Swahili, Amharic
03 · Payments & stablecoins

Send money across Africa at $0.002 per transfer

Move money anywhere in Africa on stablecoin rails. KES to USDC and back in seconds — with M-Pesa, Airtel Money, and bank integrations already built.

  • Cross-border USDC transfers via stablecoin rails
  • Local on/off ramps: M-Pesa, Airtel, bank transfer
  • Real-time exchange rate with 0.5% FX spread
  • Webhook events for payment lifecycle
Payment flow
Step 1 · Initiate
POST /payments/transfer
↓
Step 2 · Stablecoin rails
KES → USDC → USDC
↓
Step 3 · Settlement
Wallet credited · Webhook fired
Avg settlement~8 seconds
Cost per transfer$0.002
04 · Payroll & smart savings

Pay thousands of workers in a single API call

Run payroll for your entire informal workforce at once. Set savings rules so workers automatically build a financial cushion — without any extra effort from them or you.

  • Bulk payroll in USD with CSV upload or API
  • Automatic savings rules (e.g. save 10% of earnings)
  • Employer-matched savings contributions
  • Worker dashboard via USSD, WhatsApp, or app
payroll_batch.js
const regini = require('@regini/node'); // Run weekly payroll for 500 workersconst payroll = await regini.payroll.create({ workers: workerList, currency: "USDC", savings_rule: { pct: 10, // auto-save 10% employer_match: 5 // employer adds 5% }}); // payroll.status → "processing"// payroll.worker_count → 500

Ready to integrate?

Full API docs, sandbox environment, and SDKs in Node, Python, and Go.

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