About US

Your Financial Compass

Valu is the leading universal financial technology powerhouse dedicated to providing a wide array of financial services to individuals and businesses. Since our launch in December 2017, we have been committed to offering comprehensive and convenient solutions tailored to meet our customers' diverse needs.

As pioneers in the MENA region’s BNPL (Buy Now Pay Later) landscape, we empower our customers with flexible financing options designed to simplify their purchasing experiences. Beyond this, Valu is focused on enhancing financial well-being through innovative programs that support investment, budgeting, and financial management.
Transactions Since Inception Mobile
Over
0
1M
2M
3M
4M
5M
6M
7M
8M
9M
10M
11M
12M
13M
14M
15M
16M
17M
Transactions Since Inception
Active Customers
Over
0
100K
200K
300K
400K
500K
600K
700K
800K
900K
Active Customers
Retail Partners and Service Providers
More than
0
150
300
450
600
750
900
1050
1200
1350
1500
1650
1800
1950
2100
2250
2400
2550
2700
2850
3000
3150
3300
3450
3600
3750
3900
4050
4200
4350
4500
4650
4800
4950
5100
5250
5400
5550
5700
5850
6000
6150
6300
6450
6600
6750
6900
7050
7000
Retail Partners and Service Providers
E-Commerce Platforms
Over
0
31
62
94
125
156
188
219
250
281
313
344
375
406
438
469
500
531
563
594
625
656
688
719
750
781
813
844
875
906
938
969
1000
1031
1063
1094
1125
1156
1188
1219
1250
1281
1313
1344
1375
1406
1438
1469
1500
E-Commerce Platforms

Achievements

Awards

2025
Top Fintech Company – Middle East 2025 – Awarded by Forbes
Leading Financial Technology Powerhouse – Egypt 2025 – Awarded by International Business Magazine
Best Financial Institution/Company – Egypt 2025 – Awarded by World Business Outlook
Most Innovative Financial Solution Provider of the Year – Egypt 2025 – Awarded by Gazet International
Best Fintech Platform for Lifestyle-Enabling Solutions – Egypt 2025 – Awarded by Global Brand Awards
Amazon has exercised its warrant to directly acquire an equity stake of approximately 3.95% of Valu’s issued share capital.
2024
Most Innovative FinTech Company – Egypt – Global Economics Awards
Best Financial Technology Company – Egypt – World Economic Magazine
Best Financial Technology Company – MENA – Worldwide Finance Awards 2024
Fastest Growing Financial Technology Company – MENA – Business Tabloid
Leading Financial Technology Powerhouse Provider – MENA – Global Business and Finance Magazine Awards 2024
Best Overall Financial Technology Powerhouse – Egypt – International Business
Best Overall Financial Technology Powerhouse – Egypt – Global Brands Magazine
Most Comprehensive Suite of Financial Products – Egypt 2024 – International Business
Most Comprehensive Suite of Financial Products – Egypt 2024 – Global Brands Magazine
Most Innovative Financial Technology – Egypt 2024 – Global Business Review Magazine
Most Convenient and Comprehensive Financial Solutions Provider – Egypt 2024 – World Business Outlook
Best Overall BNPL Provider – MENA (Egypt) – International Business
Payment Solutions Company of the Year – Gulf Business Awards
Top 45 Startups – Africa Tech Awards
Forbes Middle East’s Top 50 Fintech Companies – Forbes Middle East
Ranked 3rd – Sustainability Leaders (Green Finance) – Forbes Middle East 2024
2023
Best Tech-Driven Firm – UC Solutions and Dell Technologies
The Best Data Center Modernization Organization – Dell Technologies / UC Solution
Most Innovative Financial Technology Company – Egypt – International Business Magazine
Most Innovative SME Financial Platform – Global Brands Awards
Leading Lifestyle Enabling Solution Provider – Egypt 2023 – World Business Outlook
Leading Lifestyle Enabling Fintech Platform – Egypt 2023 – World Business Outlook
Most Convenient and Comprehensive Financial Solutions Provider – Egypt 2023 – World Business Outlook
Best Buy-Now Pay-Later (BNPL) Solutions in MENA – 2023 – World Business Outlook
Best Fintech Company – Egypt 2023 – Global Banking & Finance Awards
Best Fintech Startup in North Africa – BNPL Service – Africa Bank 4.0 Awards (North Africa 2023)
Best Comedy Ad – Creative Industry Summit
“ما تقولش فلوس قول ڤاليو” Campaign – MENA Effie Awards
Ranked 15th in Forbes Middle East’s Top Fintech Companies 2023
Top 45 Startups – AfricaTech Awards by Viva Technology & International Finance Corporation (IFC)
2022
Average ticket size of EGP 3,500 as of year-end
Fully acquired Paynas, a full-fledged employee management and benefits company that offers services to MSMEs
2021
Named Fintech Company of the Year at the Gulf Business Tech Awards
Total gross merchandise value of EGP 5.8 billion by year-end 2022 — a twofold increase from the EGP 2.4 billion booked in 2021
Valu acquires 100 percent of the stakes of Paynas, a full-fledged employee management and benefits company that provides financial services to micro, small, and medium enterprises (MSMEs)