Valu

Founded
2017 in Egypt — Valu was established as a subsidiary of EFG Hermes Holding and has since become a leading universal financial technology platform offering a broad suite of consumer and business financial services across Egypt and the MENA region.

Founders & Leadership
Walid Hassouna — Chief Executive Officer

(Valu operates under the umbrella of EFG Hermes Holding; specific individual founders beyond EFG Hermes backing are not widely publicized.)

Location
Giza, Egypt — with a network spanning thousands of merchant partners across Egypt and expanding fintech services in the MENA region.

Industry
FinTech / Consumer Finance / Digital Payments — specializing in Buy‑Now‑Pay‑Later (BNPL), financing solutions, prepaid & co‑branded cards, investment products, cash redemption, and digital financial services for individuals and businesses.

Overview
Valu is a leading fintech platform in Egypt that pioneered Buy‑Now‑Pay‑Later (BNPL) solutions in the MENA region, providing customizable payment plans up to 60 months at thousands of physical and online merchants. In addition to BNPL, the company offers instant cash redemption, savings and investment products (e.g., AZ Valu Fund, EFG Hermes ONE), prepaid and co‑branded cards (in partnership with Visa), luxury financing, auto loans, and various financial services for businesses via Valu Business. Valu has grown rapidly with millions of transactions, a broad merchant network, and strong market penetration, and in 2025 became one of the first consumer finance fintechs to list on the Egyptian Exchange (EGX).

Core Features & Capabilities
Buy‑Now‑Pay‑Later (BNPL): Flexible installment plans up to 60 months across physical and online retailers.
Prepaid & Co‑Branded Cards: Visa‑partnered cards for everyday spending with extended payment flexibility.
Cash Redemption: Instant cash against paid invoices with flexible repayment.
Savings & Investments: Tools like savings plans and access to funds such as AZ Valu and EFG Hermes ONE.
Luxury & Auto Financing: High‑value item financing like vehicles or luxury purchases.
Business Solutions: Financial services tailored for businesses including payroll and benefits tools.

Target Market
Consumers in Egypt and the broader MENA region seeking flexible payment and financing options beyond traditional credit.
Shoppers and frequent spenders looking for installment plans and digital payment convenience.
Underbanked or credit‑underserved populations who benefit from alternative financial access.

Value Proposition
Valu combines flexible financing, BNPL, payments, savings, investments, and cash solutions in a unified digital platform — empowering users with financial flexibility and access to products traditionally limited by credit constraints, while also enabling merchants to broaden customer purchasing power.