Valu

Valu is a universal fintech platform for consumers and businesses in Egypt, offering buy now pay later instalments, savings, investments, card products, and employer payroll tools through a single app experience.

Key capabilities include:

• BNPL (U*) instalments with customizable payment plans for up to 60 months, usable across 6,000+ points of sale and 1,500+ online stores.
• Sha2labaz cash redemption, which lets users exchange paid invoices for cash, then repay over instalments, with redemption to a bank account, wallet, or via a nearby Sha2labaz store.
• Akeed save-to-buy, a savings feature where users set an amount and tenure and make monthly payments to build funds for future purchases.
• Investments and trading access through AZvalu Fund (a money market fund developed with Azimut) and EFG Hermes ONE.

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

The platform follows a B2B2C 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).

As of Jun 22, 2026, Valu is rated 3.3 on the App Store from 452 reviews and 3.1 on Google Play from 29K reviews with 1M+ installs.