Valu is a comprehensive financial technology platform that offers a wide range of services to both individuals and businesses. Launched in 2017, it has become a leading fintech powerhouse in the MENA region, pioneering Buy Now Pay Later (BNPL) solutions and providing various financial products and services.

Key Features

BNPL Solutions Customizable financing plans for up to 60 months

• Available at over 6,000 points of sale
• Accessible on more than 1,500 online stores and apps

Investment Products Diverse investment options for financial growth

• AZvalu Fund: Money market fund in partnership with Azimut
• EFG Hermes ONE: Trading app for enhanced investment experience

Cash Redemption Program Instant cash access from paid invoices

• Redemption available at Sha2lbaz stores
• Flexible repayment over 60 months

Savings Solutions Platform for saving money and earning returns

• Akeed: Save-to-buy platform

Luxury Financing Financing solution for big-ticket items

• Ulter: Facilitates purchases up to EGP 15 Million

Business Management Tools Suite of tools for employee management and financial services

• Digital payroll automation
• Workforce management solutions

Benefits

Financial Flexibility Customizable payment options for consumers

• Extended financing plans up to 60 months
• Diverse range of purchase categories covered

Investment Opportunities Access to various investment products

• Money market fund for potential returns
• User-friendly trading app for investment management

Business Empowerment Comprehensive tools for business operations

• Streamlined payroll and workforce management
• Access to a large customer base (1M+) seeking financial solutions

Convenience Easy access to financial services

• Instant cash redemption at multiple locations
• Seamless fund transfers through e-gift cards