Platform v2.0 — Live Now Explore the Ecosystem

Your All-in-One
Digital Platform

Unlock endless possibilities with a single account. Seamlessly connect to financial services, comprehensive healthcare, and skilled artisans across our integrated platform.

Join the Platform Explore Experiences
One Unified Account
Instant Cross-Service Access
Seamless Ecosystem
Bank-grade Security
Valu Platform
CURAHealthcare
ValuFinance
SKMarketplace
SPAAKSocial · Soon
Send Money Bank Transfers Goal Savings Virtual Cards Book Doctor Order Drugs Diagnostics Health Plans Hire Artisans Book Services Escrow Payments Freelance Gigs Verified Network Events & Tickets Creator Deals Intent Matching Earn Rewards Refer & Earn Send Money Bank Transfers Goal Savings Virtual Cards Book Doctor Order Drugs Diagnostics Health Plans Hire Artisans Book Services Escrow Payments Freelance Gigs Verified Network Events & Tickets Creator Deals Intent Matching Earn Rewards Refer & Earn

Why Valu?

The Problem: A Fragmented Digital Life

We live in a world of disconnected apps. Managing your finances, booking healthcare, and hiring professionals means juggling endless accounts, verifying your identity repeatedly, and dealing with scattered experiences.

It’s inefficient, insecure, and frustrating. Your digital ecosystem shouldn’t be a maze.

The Solution: One Unified Platform

Valu provides a single, secure digital identity that gives you instant access to a suite of interconnected services.

  • Verify your identity once
  • Move seamlessly between domains
  • Enjoy a beautifully consistent experience

Platform Applications

Four Worlds. One Identity.

Explore the dedicated applications that make up the Valu ecosystem. Seamlessly integrated, powerfully built.

Valu Wallet

Digital Finance

Live

Your Complete Financial Companion

Manage your money seamlessly with instant wallet transfers, NUBAN accounts, bill payments, and goal-based savings. Valu Wallet acts as the core financial ledger for the entire ecosystem, allowing you to pay for healthcare and services directly from one balance.

Learn More Open Wallet

CURA

Connected Healthcare

Live

Digitising Africa's Healthcare

CURA connects patients directly with pharmacy networks and clinical operations. Manage electronic prescriptions, access digital patient records, and pay for medical services instantly through your Valu Wallet.

Learn More For Providers

ServiceKonnect

Services Marketplace

Live

Trusted Artisans & Professionals

Find, book, and pay over 47 verified artisans across 120 categories. Enjoy peace of mind with escrow payments, verified reviews, and secure service delivery backed by the Valu Platform.

Learn More Become a Provider

SPAAK

Verified Social Connections

Coming Soon

High-Intent Community Matching

A trusted social network built on verified identity and real credibility. SPAAK connects like-minded individuals in a secure, troll-free environment, leveraging Valu's robust KYC infrastructure.

Learn More Join Waitlist

Valu Finance Features

Everything You Need, in One Wallet

From sending ₦500 to a friend to paying EKEDC bills — your Valu wallet handles it all.

Send & Receive

Transfer to any Valu wallet for just ₦10, or to any Nigerian bank — absolutely free.

Wallet → Wallet: ₦10 · Bank: Free

Airtime Top-up

Top up MTN, Airtel, Glo, and 9mobile instantly from your wallet. No hidden charges.

All networks supported

Data Bundles

Buy data for yourself or anyone else. All Nigerian networks, at cost price.

MTN · Airtel · Glo · 9mobile

Electricity Bills

Pay EKEDC, IKEDC, Abuja Electric and more. Prepaid & postpaid meters.

All 11 DisCos supported

Cable TV

Renew DSTV, GOtv, StarTimes, and Showmax subscriptions in seconds.

DSTV · GOtv · StarTimes

Betting Wallets

Fund your Sportybet, Bet9ja, 1xBet and other betting accounts directly.

Major platforms covered

Goal Savings

Create savings goals, lock funds, and earn interest. Your money works while you sleep.

Flexible lock periods

Refer & Earn

Share your unique VALU-XXXX code and earn real rewards every time your referrals transact.

Earn from every referral

Shared Platform Experience

One Platform. Multiple Experiences.

Every application in our ecosystem is powered by the Valu Digital Platform (VDP). It acts as the central engine, providing shared services that make moving between apps completely seamless.

Finance

Valu Wallet

Healthcare

CURA

Marketplace

ServiceKonnect

Social · Soon

SPAAK

Unified Core

Valu Digital Platform (VDP)

Shared Ecosystem Infrastructure

One Identity

Single Sign-On (SSO) and shared KYC across all applications. Register once, access everywhere securely.

One Wallet

A central financial ledger. Pay for healthcare or artisans seamlessly from a single unified Valu balance.

Shared Business Services

Plug-and-play APIs, merchant acquiring, and settlement infrastructure for ecosystem partners.

Connected Experiences

Frictionless movement between domains. Book a service and pay instantly without ever leaving the ecosystem.

Future Scalability

Built on a modular microservices architecture designed to seamlessly integrate new applications as the ecosystem grows.

For Everyday Users

One Account. Endless Possibilities.

Valu is built for you. Whether you are paying bills, booking a trusted plumber, or consulting a doctor online, you no longer need a dozen different apps and passwords.

Register once to get your Valu ID. From there, you can move seamlessly between Valu Finance, CURA healthcare, and ServiceKonnect. Your identity and wallet travel with you, making every checkout instant and every login automatic.

Create Your Free Account Explore Services

Single Sign-On

Log in once. Move between finance, health, and services instantly.

Universal Wallet

Pay for everything across the ecosystem from one central balance.

Verified Trust

Every provider and patient is KYC verified for absolute safety.

Zero Friction

No repeated forms. Your data safely travels with you everywhere.

Healthcare Providers

Operate via CURA

Pharmacies, clinics, and hospitals manage their operations, electronic records, and patient payments entirely through the CURA platform.

Join CURA Provider Network

Service Professionals

Operate via ServiceKonnect

Artisans, freelancers, and agencies list their services, get booked, and receive secure escrow payments directly through ServiceKonnect.

Become a Service Provider

For Businesses

Grow Within the Ecosystem.

Valu isn't just a merchant gateway; it's a living ecosystem. Businesses don't just "process payments" here—they operate directly through our specialized platform applications to serve a large, KYC-verified user base.

Whether you are a healthcare provider on CURA or an artisan on ServiceKonnect, your business is powered by the Valu Digital Platform. You get instant access to shared Business Account capabilities including secure payment processing, automated settlement, ecosystem-wide visibility, and centralized business dashboards.

Instant Settlements
Shared KYC Data
Secure Escrow
Business APIs

Earn With Valu

One Ecosystem. Multiple Ways to Earn.

Every product in the Valu ecosystem has a clear path to income. Whether you’re transacting, referring, providing a service, or building a community — your commissions are visible and automated.

Valu Finance

Financial Products

  • Refer & Earn Rewards

    Tiered

    Share your VALU-XXXX referral code. When a referee signs up and performs qualifying transactions, you earn rewards — the more they transact, the more you earn.

  • Goal Savings Targets

    Interest

    Hit your savings milestones with goal-based wallets and unlock returns plus loyalty rewards when you consistently fund your goals.

  • Transacting User Bonuses

    Campaigns

    Earn instant bonuses when you use bill payments, wallet transfers, virtual cards, and other eligible products during active campaigns.

CURA

Healthcare Services

  • Provider Consultation & Care Fees

    Direct

    Doctors, hospitals, clinics, pharmacists and labs list their services on CURA. Patients pay directly through Valu Wallet, with earnings settled to the provider’s business account.

  • Pharmacy Prescription Dispensing

    Fulfillment

    Partner pharmacies earn by fulfilling prescriptions and OTC orders placed on the CURA platform, all paid instantly from the patient wallet.

  • Health Packages & Plans

    Packages

    Offer premium checkups, specialist care bundles, diagnostic panels and HMO-like packages directly to KYC-verified Valu users.

ServiceKonnect

Verified Services Marketplace

  • Artisan Service Fees

    Paid jobs

    Artisans and professionals deliver verified jobs and keep 90% of completed value when the customer releases escrow.

  • Top-rated Profiles Earn More

    Rank

    Higher ratings, more completed jobs, and verified badges give you priority discoverability — leading to more bookings and higher earning potential.

  • Subscriptions, Bookings & Packages

    Repeat

    Offer retainer packages, recurring bookings, and subscriptions so customers can hire you weekly or monthly directly inside the marketplace.

SPAAK

Soon

Verified Social Graph

  • Creator & Brand Collaborations

    Influencer

    Verified creators earn through brand collaborations, sponsored posts, and promoted events targeted at their real, KYC-backed audience.

  • Events, Tickets & Community Access

    Events

    Hosts monetize exclusive communities and paid events on SPAAK, with tickets, RSVPs and memberships collected directly through Valu Wallet.

  • Credibility-driven Introductions

    Matching

    SPAAK’s high-intent matching connects verified professionals and creators with the right opportunities, turning connections into measurable income.

Clear, automated payout flow

One wallet. One dashboard. Every earning, visible.

All referral bonuses, provider earnings, marketplace payouts, SPAAK creator income and wallet rewards settle into the same Valu Wallet. Track everything from one dashboard and withdraw to any bank account — instantly and free.

Start Earning Sign in

Frequently Asked Questions

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