General Risk Warning
Last update: 25 August 2025
This Risk Warning explains some of the main risks of using Regini’s saving services. Please read it carefully before using our platform. By using Regini, you agree that you understand and accept these risks.
1. No personal advice
Regini does not provide financial, investment, or tax advice. Any information we share is for general education only. You are responsible for deciding whether saving with Regini is right for you, based on your own situation.
2. Crypto & stablecoin risk
Your savings are held in stablecoins, which are cryptocurrencies. While stablecoins aim to maintain a stable value relative to the US Dollar, their value may fluctuate, and they carry risks associated with cryptocurrencies, including technical, regulatory, and market risks.
3. Market risk
Stablecoins are designed to track the US Dollar, but their value may still fluctuate. You could lose some or all of your savings. Past stability does not guarantee future stability.
4. FX (foreign exchange) risk
Because you deposit in Kenyan Shillings (KES) and save in US dollar denomiated stablecoins fluctuations in the KES/USD exchange rate may affect the local currency value of your savings.
5. Technology risk
Regini relies on blockchain, mobile networks, and third-party partners for deposits and withdrawals. Technical failures, delays, or cyberattacks may impact your ability to deposit, withdraw, or access your savings.
6. Custody risk
Regini is the custodian of your funds. While we take all reasonable measures to safeguard your savings, there is still a risk of loss due to unforeseen technical, operational, or security issues.
7. Liquidity risk
In extreme situations, there may be delays in converting between KES and stablecoins (USDC). This could affect withdrawals.
8. Legal & regulatory risk
Regini operates under Kenyan law. Changes in laws, regulations, or government policies could affect our services, including your ability to deposit, withdraw, or hold stablecoins.
9. Tax responsibility
You are responsible for understanding and paying any taxes that may apply to your savings and transactions. Regini does not provide tax advice.
10. Security & account responsibility
You are responsible for keeping your PIN, phone, and account details safe. If someone gains access to your account, they may take your savings, and these transactions may not be reversible.
11. Service availability
Regini aims to provide reliable service but cannot guarantee constant access. Services may be unavailable due to maintenance, outages, or external factors beyond our control.
12. General reminder
- Saving in stablecoins involves risks typical of cryptocurrencies, including value fluctuations, technical issues, regulatory changes, and potential delays in accessing your funds.
- Take time to understand how stablecoins, cryptocurrencies, and FX risks work.
- If unsure, seek independent financial advice.
Contact information
For questions or support:
Email: support@regini.finance
Toll free: +254 800 722 690
WhatsApp: +254 076 779 891
