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Regular Finance
Techstars '22Paris, FR · Founded 2019 · 8 employees on LinkedIn · 1 known investors
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Regular offers investment accounts that provide daily yield of 5.50% annually by deploying stablecoins into decentralized finance liquidity pools and yield protocols. The service targets both individuals and businesses seeking cryptocurrency-backed interest-bearing accounts with simplified operations.
Also known as canB · Compte eco · Regular · Regular Finance SAS · Tech For Change SAS
Investors · 1
How we know: the Techstars portfolio · open dataset · Top 3000 Accelerator Startups (no YC) 2026-08 · Not right? Tell us
Company profile
researched Sep 2026Regular Finance SAS, operating under the brand Regular, is a Paris-based company whose sole activity is the development and distribution of the Regular account, a yield-bearing digital-asset investment product for individuals and businesses. Customers fund the account by ordinary euro bank transfer, without needing to create a wallet or hold volatile crypto-assets, and are repaid in euros on withdrawal. Deposits are converted into a portfolio of euro- and dollar-denominated, asset-backed stablecoins (for example EURC and USDC) that are allocated across decentralized finance liquidity pools; the portfolio is constructed according to the client's profile under a management mandate.
The company states a target annual return of 5.50%, which may vary between 5% and 5.80% depending on portfolio composition, with interest credited daily and compounded. There is no subscription fee, no deposit cap and no lock-up; deposits and withdrawals are described as free, with euro withdrawals payable only to a bank account in the client's own name. A partner article published in October 2025 cited a 6.40% annual rate with withdrawals within 48 hours. The company also markets tailored arrangements to independent wealth advisers (CGP) and family offices serving high-net-worth clients.
Regular Finance SAS was created in Paris in March 2019 under the name Tech For Change SAS and has share capital of €2,536,269. Its registered office is at 41 rue de la Chaussée d'Antin, 75009 Paris, and it is registered with the Paris trade registry under number 849 355 565. Frédéric Schrapp is publication director of the website, and Benoît Jozan is cited as development director.
Founding story
The company was incorporated in Paris in March 2019 as Tech For Change SAS and later renamed Regular Finance SAS.
Business model
Regular sells a single retail and corporate investment product, the Regular account. Clients transfer euros, which Regular deploys into stablecoin liquidity pools and staking on DeFi platforms under a discretionary management mandate; the client receives a daily net yield while Regular retains the difference between the total yield generated by the assets and the yield paid out.
No subscription or explicit transaction fees are charged: the total return generated by the underlying assets exceeds the return credited to clients, and the surplus is retained by the company to cover management fees (platform analysis, execution, daily supervision, EUR/USD hedging) and operational security.
Traction
The company reports a published yield history at an annual rate of at least 5.50% since March 2026 and states that 100% of client funds are invested in digital assets; no customer or asset-under-management figures are disclosed in the material.
Latest developments
Obtained AMF CASP authorisation No. A2026-030 under the MiCA regulation, succeeding its PSAN registration which ran until 30 June 2026, and publishes a yield history at 5.50% or above since March 2026.
▸Full profile — market position, technology, go-to-market, geography, history, risks & controversies
Market position
Positions itself as a regulated, simplified access route to decentralized finance yields for French savers and companies, contrasting its product with traditional bank deposits and with direct crypto investing; it emphasises AMF authorisation, Bpifrance support and Techstars backing.
Euro-in/euro-out access without wallets or technical knowledge, daily compounded interest, no cap or subscription fee, free withdrawals, AMF CASP authorisation under MiCA, segregated custody with a major institutional custodian, and a stated French tax ruling (rescrit) under which individuals owe no tax until interest is withdrawn.
Technology
Client funds are converted into euro and US dollar stablecoins that are fully asset-backed at issuance, such as EURC and USDC, and placed in on-chain liquidity pools that undergo prior regulatory review. Yield derives from pool exchange fees and staking rather than directional exposure to volatile crypto-assets. Portfolios are diversified across five to fifteen pools, with no single pool exceeding 25% of the total, using high-volume platforms such as Convex and Aerodrome. Assets are held with a global custody provider that also serves banks including BNP Paribas, ABN AMRO and Revolut, are segregated from the company's balance sheet, and systems have been security-audited by Vaadata. The service is delivered through a website dashboard and iOS/Android mobile apps, with identity verification handled by DocuSign International (EMEA).
Go-to-market
Direct online and mobile self-service onboarding with identity verification in about five minutes, supported by a help centre and customer service, plus a partnership channel offering tailor-made solutions to wealth managers and family offices.
Retail individuals, including high-net-worth investors, and companies placing treasury; the firm also markets dedicated solutions to independent wealth managers (CGP) and family offices.
Geography
French company headquartered in Paris (41 rue de la Chaussée d'Antin, 75009), marketing in France under European MiCA regulation; personal data is stored on servers within the European Union.
History
Created in March 2019 as Tech For Change SAS. Between 2021 and 2023 it marketed canB in France, a bank account with a Visa card that generated donations to French associations, for which it also built its own blockchain to trace donations; this activity was discontinued to focus on the yield account. In 2022 the company joined the Techstars accelerator, which became a shareholder alongside the founders and around thirty French business angels. The yield product launched in August 2023 as "Compte eco" and was renamed "Regular" on 28 April 2025. The company was registered with the AMF as a digital-asset service provider (PSAN) until 30 June 2026 and subsequently obtained CASP authorisation No. A2026-030 under MiCA.
Risks & controversies
The company states that zero risk does not exist and that diversification remains essential; the help centre carries an article on whether yield and capital are guaranteed. Advertised rates have varied across sources, with a 6.40% annual rate cited in an October 2025 partner article versus a 5.50% target (range 5%–5.80%) on the company website. The La Tribune article is labelled partner (sponsored) content.
Compiled by commissioned research from 8 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
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Companies working in the same space as Regular Finance.
Timeline · 7
launches, deals, and filingsRegular Finance SAS was registered with the Autorité des Marchés Financiers as a digital-asset service provider (PSAN) until 30 June 2026.
The company obtained authorisation as a crypto-asset service provider (PSCA/CASP) under the European MiCA regulation from the Autorité des Marchés Financiers, reference A2026-030.
The company states it received significant support from Bpifrance to finance the innovative developments needed to operate the service.
The product name was changed to "Regular" on 28 April 2025.
The investment product was launched in August 2023 under the name "Compte eco".
Between 2021 and 2023 the company marketed canB in France, a bank account with a Visa card generating donations to associations, supported by a proprietary blockchain for donation traceability; the activity was stopped so the company could focus on the Regular account.
The company joined the US accelerator Techstars in 2022; Techstars is a shareholder of Regular Finance SAS alongside the founders and around thirty French business angels.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
▸Research sources · 8
primary sources listed
- Regular Financeregular.eu · web
8 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Regular Finance do?
- French MiCA-authorised firm offering euro-funded accounts that earn daily yield from stablecoin liquidity pools.
- Who are Regular Finance's investors?
- Regular Finance's investors include Techstars.
- Where is Regular Finance headquartered?
- Regular Finance is headquartered in Paris, FR.