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Regini Partner API

Base URL: https://api.regini.com/partner/v1

The Regini Partner API lets you open and manage USDC savings accounts on behalf of your users. Your backend calls our API; your users interact with your own frontend.

What you handle:

  • User identity and KYC verification
  • Your own frontend and user experience
  • Calling the Regini API from your backend

What Regini handles:

  • Opening and holding the USDC account in a dedicated, segregated treasury
  • KES/USDC conversion at the live FX rate
  • M-Pesa STK push (deposits) and M-Pesa payout (withdrawals) via Kotani Pay
  • Sending event webhooks to your system

Fund isolation

Your users' funds are held in a dedicated treasury account that is fully separate from Regini's own pool and from any other partner's funds. There is no commingling of funds.

Phase 1 scope

Account creation, KES deposits, KES withdrawals, webhooks. Yield is not included in Phase 1.

Quickstart

1. POST /accounts                         → get an account_id for your user
2. GET  /accounts/{id}/deposit-quote      → get a rate quote
3. POST /accounts/{id}/deposits           → trigger the M-Pesa STK push
4. Receive deposit.completed webhook      → funds are credited

Sections

Section Description
Authentication API key setup and scopes
Accounts Provisioning and retrieving accounts
Deposits KES → USDC via M-Pesa
Withdrawals USDC → KES via M-Pesa
Balance & Transactions Balances and transaction history
Webhooks Event notifications and signature verification
Rate Quotes & Spread How FX rates and spreads work
Sandbox Testing with sandbox keys
Error Reference All error codes
API Reference Interactive OpenAPI explorer