Rates, Summary & Programs

Exchange rate

GET /rates

Returns the current mid-market KES/USDC rate for display purposes only. No rate_id is returned.

{
  "usdc_kes": 131.4500,
  "kes_usdc": 0.00761245
}

Field	Description
`usdc_kes`	How many KES one USDC is worth at mid-market
`kes_usdc`	How many USDC one KES is worth at mid-market

The rate is refreshed from our FX provider every 2 hours and served from cache. It does not include your program's spread.

Computing the approximate user-facing rate:

total_spread_bps = regini_spread_bps + partner_spread_bps
deposit rate     = usdc_kes × (1 + total_spread_bps / 10000)
withdrawal rate  = usdc_kes × (1 - total_spread_bps / 10000)

Your program's spread breakdown (regini_spread_bps + partner_spread_bps) is available from GET /programs. For a committed rate before initiating a transaction, use the quote endpoints.

Financial summary

GET /summary

Returns your tenant's financial position in a single call. Use this for your internal dashboard or to verify your treasury is adequately funded before batch operations.

{
  "treasury_wallet_address": "7xKXtg2CW87d97TXJSDpbD5jBkheTqA83TZRuJosgAsU",
  "treasury_balance_usdc": 50000.00,
  "aum_usdc": 48500.00,
  "float_surplus_usdc": 1500.00,
  "total_accounts": 142
}

Field	Description
`treasury_wallet_address`	Solana address of your segregated USDC treasury.
`treasury_balance_usdc`	USDC held in your treasury (from the ledger).
`aum_usdc`	Sum of all your users' USDC balances; your total liability to users.
`float_surplus_usdc`	`treasury_balance_usdc − aum_usdc`. Positive means you are fully funded.
`total_accounts`	Number of accounts provisioned under your tenant.

Info

float_surplus_usdc is informational, Regini monitors and manages float cover operationally.

Programs

GET /programs

Lists all programs belonging to your partner. Each program defines the FX spread applied to accounts enrolled in it.

{
  "programs": [
    {
      "program_id": "uuid",
      "program_name": "Standard Savings",
      "allocation_type": "PERSONAL",
      "spread_bps": 75,
      "partner_spread_bps": 0,
      "lock_days": null,
      "status": "ACTIVE",
      "enrollment_count": 57,
      "created_at": "2026-07-01T00:00:00Z"
    }
  ]
}

Field	Description
`spread_bps`	Regini's base FX margin in basis points
`partner_spread_bps`	Your additional FX margin in basis points (0 if not configured)
`enrollment_count`	Number of currently active accounts enrolled in this program
`lock_days`	Minimum holding period in days, if applicable

The total effective spread applied to quotes is spread_bps + partner_spread_bps.

GET /programs/{program_id} returns the same fields for a single program.

To configure your additional spread, see PATCH /programs/{id}/spread.