1.Introduction
This policy (the “Policy”) describes the fee structures, costs, and fees related to the Regular investment account service offered by Regular Finance SAS, in accordance with Regulation (EU) 2023/1114 of the European Parliament and of the Council of May 31, 2023, on markets in crypto-assets (“MiCA”), and in particular Article 66(4) of MiCA. It aims to ensure transparency, fairness, and compliance with applicable regulatory requirements.
This Policy is tailored to the specific needs of Regular's clients:
Companies,
Family offices,
Institutional asset managers,
Individuals, in particular high net worth individuals (HNWI).
2. Scope
The Policy applies to all clients (collectively referred to as “Clients”) engaging in investment transactions on the Regular account. It covers pricing methodologies, applicable costs and fees, and relevant terms and conditions.
Regular applies the following principles:
Compliance: Regular acts in an ethical and responsible manner, applying the standards expected in traditional financial markets.
Pricing transparency: A policy of transparency is applied with regard to fees, costs, and prices. This Policy sets out the parameters used to establish the pricing structure.
3. Pricing structure
3.1 Pricing structure of the Regular investment account
The assets that make up the Regular account portfolio generate a daily return at a rate greater than 5.50%/year (APY):
The customer receives a portion of the return generated by these assets each day, at an annual rate of 5.50% (APY - rate valid as of 09/03/2026, subject to change),
Regular retains the portion of the return generated by the assets that exceeds 5.50% (APY) to cover its service fees.
For example, if the return on assets is 7.50% APY:
The customer receives a return at a rate of 5.50%,
Regular retains the excess portion, i.e., 2%.
The gross margin retained by Regular covers all service fees, including:
Custody of assets on behalf of the customer,
EUR/USD currency hedging fees,
Development and maintenance of the customer access platform,
Customer support,
Monitoring of assets.
There is no fixed subscription fee charged to the client. The return received by the client is net of service fees.
In the event of account closure, a fee of €25 is applied.
Depending on your investment level, we may be able to offer a rate bonus. For current terms and conditions, please contact customer support.
3.2 Changes in returns and fees retained by Regular
If the return on assets declines, Regular may reduce the return paid to the client in order to maintain a gross margin sufficient to cover its costs.
4. Transparency and disclosure
As part of the Regular investment account service, Regular provides the Client with an interface accessible at https://app.regular.eu/signin, allowing them to view the following at any time:
the client's total outstanding balance,
a detailed breakdown of the assets held in their portfolio
the total interest earned on each of their investments,
the total interest withdrawn, and the amount of tax withheld at source for individuals residing in France.
In accordance with MiCA regulations, all information relating to transactions concluded is provided to the Client upon request, in a confidential and individualized manner.
5. Revisions and amendments
The Policy is revised annually, in January, in order to adapt it to changing market conditions and regulations.