Auto Compound
Interest received is itself interest-bearing.
Enjoy a yield of 6.40%
Interest paid every day, free withdrawals, 100% of your funds invested in yield-bearing digital assets: discover the Regular account (registered PSAN/AMF under number E2023-72)
Registered
PSAN #E2023-72
Endorsed by the ecosystem
Earn every day. Easily.
Boost your savings, whether you are an individual or a business
Deposits and withdrawals
at any time and free of charge
No subscription
You directly receive the return net of fees
100% of your funds
are invested in digital assets
Rate of return - 6.40%/year
No maximum deposit
Interest paid everyday
Simplicity - no technical knowledge required
A simple transfer in euros to make a deposit
Contributes to reductions in CO2 emissions
10,000€ invested = reduction of 5 tonnes of CO2/year
Historical yield.
Current annual yield 6.40%
The interests you receive every day are at 6.2041%/year.
The interest received is capitalized and itself earns interest on subsequent days. The yield over one year is therefore 6.40% (APY rate).
Regularity
Return paid once a day, every day.
Net of service charge
The total yield generated by the assets is over 6.40%/year. You get 6.40%, and the surplus is retained for management fees and the purchase of carbon credits.
Management fees
Including analysis of best platforms and daily monitoring.
Carbon credits
3% of return dedicated to the purchase of Klima carbon credits. Surplus for fees and carbon credits 6.40% /year per client
TOTAL YIELD
Easy investing. Easy fiscal rules.
A simple transfer in euros to invest.
Companies
Interest is accounted for in the usual way as financial income.
Individuals
No tax payable as long as you have not withdrawn any interest (confirmed by a rescript from the tax authorities).
If you withdraw interest :
- Your tax is deducted at source
- Your tax return is pre-filled.
Easy account opening.
Directly on our website
Sign up in just a few clicks and start using your account instantly—no downloads needed.
Open an account
Or with mobile app
Or with mobile app Get the full experience on the go—download our app from the App Store or Google Play..
A regulated business
To operate the Regular account, our company is registered with the Autorité des Marchés Financiers (French financial markets authority) as a Prestataire de Services sur Actifs Numériques (PSAN).
Security first.
Robust, proven choices to protect your assets without compromise.
Secure Custody with a Global leader
To secure your assets, we use the services of the global leader, which also provides services to BNP Paribas, ABN AMRO, and Revolut.
Withdraw Securely to Your Own Account
In the event of a withdrawal, the funds can only be transferred to a bank account in your name.
Audited by Cybersecurity Experts
Our systems have been audited by Vaadata, a cybersecurity specialist.
Your Assets, Fully Segregated
Your assets are kept separate from our company's balance sheet.
How yield is generated
By making an investment, you acquire a portfolio of assets representing shares in liquidity pools.
Stablecoins Fully Backed by Assets
We only use Euro and USD stablecoins that are backed by other assets at the time of issue.
Invested in Liquidity Pools
These stablecoins, like EURC or USDC, are invested in liquidity pools, or stablecoin bureaux de change.
Yield from Fees & Staking
The yield comes from liquidity pool exchange fees and staking. There are no bets on volatile cryptoassets prices.
Diversified across multiple assets
The asset portfolio is spread over 10+ different liquidity pools, with no single pool accounting for more than 25% of the total.
Trusted, High-Volume Platforms
We only use investment platforms with significant volumes and a solid track record, such as Convex or Aerodrome.
The strong growth of stablecoins.
$8,500 billion traded in Q2 2024.
Tether, the USDT issuer, holds more than $100bn in US Treasuries, more than the German state.
Stablecoins are specific crypto assets whose value is pegged to a currency such as the USD or Euro. Their stability makes them suitable for daily transactions or as a reserve, while retaining the advantages of a digital currency: transparency, low costs, speed, liquidity.
Major players operate their own stablecoin, including Paypal with PYUSD, Blackrock (BUIDL) and Société Générale Forge (EURCV).
Stablecoins are superconductors for financial services. Thanks to stablecoins, businesses around the world will benefit from significant improvements in speed, coverage, and costs in the years to come.
Patrick Collison
CEO Stripe | 22/10/24
Tailor-made solutions for wealth managers
More and more HNWI customers are looking to diversify part of their wealth into this product, away from the risk of traditional banks.
You are a wealth manager or family office?
We offer tailor-made solutions to make it easier for your customers to invest.
Contact us to find out moreWho we are
Member of one of the largest business accelerators
Our company was selected in 2022 to join the famous American accelerator:
- 3900 mentors
- 3700 start-ups, total valuation 115 billion dollars
- 20 unicorns
Since 6 years
A French company
Our company Regular Finance, SAS with a capital of €2,157,996, was created in Paris in 2019. Today, it is dedicated to its sole product, the Regular account.
Customer Reviews
Good performance and real environmental impact
Happy with the performance! And the CO2 emissions reductions are significant.
Cash flow that works for you, made easy
A simple solution to boost your cash flow.
Convincing returns and quick access to funds
After a few tests, we are delighted. The yield is good, and funds can be recovered within 48 hours.
Frequently Asked Questions
You can also discover all our articles on our help and support center.
Which stablecoins do you use?
A stablecoin is a digital currency whose value is pegged to that of its reference currency. For example, the EURC stablecoin has a value of 1 euro (more precisely: between 0.99 and 1.01 euros depending on the day).
We have chosen to work only with stablecoins whose value is guaranteed to be at least 100% backed by other assets when they are created. For example, when an EURC is issued, a traditional euro is placed in a bank as collateral. This principle provides security to solidify the existence of the stablecoin, unlike other stablecoins that have experienced setbacks in the past because they were simply algorithms with no collateral deposited (e.g. UST).
We have chosen to work only with stablecoins whose value is guaranteed to be at least 100% backed by other assets when they are created. For example, when an EURC is issued, a traditional euro is placed in a bank as collateral. This principle provides security to solidify the existence of the stablecoin, unlike other stablecoins that have experienced setbacks in the past because they were simply algorithms with no collateral deposited (e.g. UST).
What is the yield?
A stablecoin is a digital currency whose value is pegged to that of its reference currency. For example, the EURC stablecoin has a value of 1 euro (more precisely: between 0.99 and 1.01 EUR depending on the day).
We continuously receive returns from the liquidity pools in which we have placed stablecoins. For the customer, the return is paid once a day at a rate of 6.40% per annum.
The balance of the return generated by the assets is used to purchase carbon credits and to cover Regular's gross margin for service fees.
We are confident that the rate of return will remain high in the coming years as we believe that stablecoin trading volumes will grow. Stablecoins, particularly those linked to the US dollar and the euro, are meeting a growing need in many countries, not only in Europe and the United States, but also in Turkey, Vietnam, India, Argentina, the Philippines, Mexico, and elsewhere.
We continuously receive returns from the liquidity pools in which we have placed stablecoins. For the customer, the return is paid once a day at a rate of 6.40% per annum.
The balance of the return generated by the assets is used to purchase carbon credits and to cover Regular's gross margin for service fees.
We are confident that the rate of return will remain high in the coming years as we believe that stablecoin trading volumes will grow. Stablecoins, particularly those linked to the US dollar and the euro, are meeting a growing need in many countries, not only in Europe and the United States, but also in Turkey, Vietnam, India, Argentina, the Philippines, Mexico, and elsewhere.
Are the funds and the return guaranteed?
100% of your investment is invested in around fifteen different assets. Even though we have made choices that significantly reduce risk, notably by using stablecoins guaranteed by other assets when they are issued, and by spreading them across 15 different carefully selected products (liquidity pools and yield protocols), the amount invested in the Regular account and the yield are not guaranteed.
By making an investment, you acquire shares in liquidity pools and yield protocols, to which you are exposed. To better understand how the Regular account works, we invite you to consult the articles in our Help Center, under 'General Information'.
By making an investment, you acquire shares in liquidity pools and yield protocols, to which you are exposed. To better understand how the Regular account works, we invite you to consult the articles in our Help Center, under 'General Information'.
How is the yield generated?
To obtain stablecoins, we convert traditional Euros (“fiat” Euros) into stablecoins, such as USDC or EURC.
Then we bring these digital currencies to exchanges, which allow conversions between euro stablecoins and dollar stablecoins. A portion of the exchange fees is paid to us.
These exchanges are automated and virtual, and called Liquidity Pools. We also deposit stablecoins into yield protocols, which manage investments in these liquidity pools. In both cases, funds can be withdrawn at any time.
For example, when we place stablecoins on the Convex DOLA-FRAX pool, it remunerates liquidity providers for an average return of 12%/year currently.
And by 2027, our goal is to reach 50% of assets linked to tokenized Real World Assets (such as green bonds, solar power plants or wind turbines).
Then we bring these digital currencies to exchanges, which allow conversions between euro stablecoins and dollar stablecoins. A portion of the exchange fees is paid to us.
These exchanges are automated and virtual, and called Liquidity Pools. We also deposit stablecoins into yield protocols, which manage investments in these liquidity pools. In both cases, funds can be withdrawn at any time.
For example, when we place stablecoins on the Convex DOLA-FRAX pool, it remunerates liquidity providers for an average return of 12%/year currently.
And by 2027, our goal is to reach 50% of assets linked to tokenized Real World Assets (such as green bonds, solar power plants or wind turbines).
What are the revenues of Regular Finance, the company that operates under the name Regular?
Based on a total return on assets of 9% over one year (example):
- 6.40% is paid to the customer
- the balance is retained by Regular Finance, i.e. 2.33% in this example.
The return depends on the trading volumes executed on liquidity pools and in yield protocols. The rate of return fluctuates daily. The portion of the return that exceeds the fixed interest paid to the client is Regular Finance's gross margin, which therefore accepts that its margin will fluctuate, for the sake of simplicity for the client.
- 6.40% is paid to the customer
- the balance is retained by Regular Finance, i.e. 2.33% in this example.
The return depends on the trading volumes executed on liquidity pools and in yield protocols. The rate of return fluctuates daily. The portion of the return that exceeds the fixed interest paid to the client is Regular Finance's gross margin, which therefore accepts that its margin will fluctuate, for the sake of simplicity for the client.
What is the legal mechanism?
The Regular account works with digital assets. We have chosen to take limited risks with products that generate interest when cash is made available and do not speculate on changes in cryptocurrency prices. However, it is essential that you conduct thorough research and understand the associated risks. The Regular account works as follows:
- when you make an investment, you buy shares in assets already invested in and managed by Regular,
- when you make a withdrawal, you sell the shares you held. Your investment is 100% dedicated to the purchase of assets.
These assets are liquid, which is why you can withdraw all of your funds at any time. The assets are tokens that are proof of deposit of liquidity, staked in liquidity pools and yield protocols, such as Convex or Aerodrome Finance. Your investment is therefore exposed to the functioning of these liquidity pools and yield protocols.
To store the tokens, our technical infrastructure relies on our partner Fireblocks, a global leader in providing secure solutions for storing digital assets. Please note that the Regular account is an investment account regulated in France.
- when you make an investment, you buy shares in assets already invested in and managed by Regular,
- when you make a withdrawal, you sell the shares you held. Your investment is 100% dedicated to the purchase of assets.
These assets are liquid, which is why you can withdraw all of your funds at any time. The assets are tokens that are proof of deposit of liquidity, staked in liquidity pools and yield protocols, such as Convex or Aerodrome Finance. Your investment is therefore exposed to the functioning of these liquidity pools and yield protocols.
To store the tokens, our technical infrastructure relies on our partner Fireblocks, a global leader in providing secure solutions for storing digital assets. Please note that the Regular account is an investment account regulated in France.
Past performance is not a reliable indicator of future results.
To understand how the Regular account works, you can also consult the articles in our support section under “General Information”.
Find out more