Regular
Regular is a regulated digital asset management platform that lets individuals and companies earn daily interest on euro cash holdings through stablecoin liquidity pools, with a target annual return between 5% and 5.80%. Users deposit euros via bank transfer, and the platform builds a personalized portfolio under a discretionary mandate, offering free withdrawals and no subscription fees. The company is authorized as a PSCA under MiCA regulation by the French AMF.
- Blockchain & Cryptocurrency
- Financial Technology
- Web3 & NFTs
- Software Only
Funding
Funding not disclosed
Founders
Founder details are not available yet.
Product
Problem
Traditional savings products offer low yields, while direct exposure to digital assets requires technical knowledge and carries significant operational complexity. Individuals and companies seeking attractive returns on euro cash holdings lack a simple, regulated solution that combines daily liquidity with digital asset yields.
Solution
Regular provides a regulated digital asset management platform that offers a daily-yield savings product with a target annual return between 5% and 5.80%, paid out in interest every day. Users deposit euros via a simple bank transfer, and Regular constructs and manages a personalized portfolio of stablecoin liquidity pool positions under a discretionary mandate. Interest is credited daily and compounds automatically, with free withdrawals at any time and no subscription fees. The platform is authorized as a PSCA (crypto-asset service provider) under the MiCA regulation by the French financial markets authority (AMF), and offers tax advantages for private clients confirmed by a French tax authority ruling.
Target Audience
Primary customers are individuals and companies in France seeking a simple, regulated way to earn daily yield on euro cash holdings through digital assets, without requiring technical expertise in decentralized finance.
Features
- Target annual return between 5% and 5.80%, paid out as daily interest with automatic compounding
- Free deposits and withdrawals at any time via euro bank transfer, with no subscription fees and no investment cap
- Discretionary management mandate with personalized portfolio construction based on user profile, diversified across five to fifteen liquidity pools with no single pool exceeding 25% of the total
- Portfolio composed of stablecoin liquidity pool positions (EURC, USDC) that undergo regulatory analysis, with yield generated from exchange fees and staking rather than volatile crypto price speculation
- Assets held in segregated custody with a world-leading custodian also serving BNP Paribas, ABN AMRO, and Revolut
- Systems audited by cybersecurity experts including Vaadata, with withdrawals restricted to bank accounts in the user's own name
- Net-of-fees yield: the platform retains the excess spread above the client rate to cover management fees and operational security