Valu

Valu is a universal fintech platform for consumers and businesses in Egypt, offering buy now, pay later (BNPL), consumer lending, cards, savings, investments, payroll, employee benefits, merchant services, and shopping solutions through an integrated financial ecosystem.

Key capabilities include:

• U, Valu's flagship BNPL product, offering flexible installment plans of up to 60 months across thousands of retail and online merchants.
• Consumer financial products including Loans, Cards, Shop'IT, Sha2labaz, Flip, Shift, Ulter, and Akeed, supporting borrowing, spending, shopping, rewards, and save-to-buy experiences.
• Investment services through the AZ Valu Fund and EFG Hermes ONE.
• Business solutions, including merchant onboarding, Payroll System, Payroll Card, and Employee Benefits for employers.

Available on iOS, Android, and Huawei AppGallery, with web information and merchant discovery via the product website.

The platform follows a B2B and B2C model, serving individual shoppers through partnered retailers and online merchants, and serving employers through Valu Business offerings such as HR and payroll systems, payroll cards, and employee benefits.

It is notable in the Egypt and MENA fintech market for pioneering BNPL through U and for operating at scale across large merchant networks, while being regulated as a fintech by Egypt’s Financial Regulatory Authority and listed on the Egyptian Exchange (EGX).