Valygo

Valygo brings your financial world together in one minimalist, secure
mobile app. Manage payment cards, view bank accounts, hold VYO crypto,
and track every transaction — without the clutter of switching between
multiple apps.

Built for people who want clarity over their money.


KEY FEATURES

Multiple Cards
Add and manage multiple payment cards in one place. Switch between them
instantly, view balances, and track spending across cards.

Multiple Accounts
Connect bank accounts from supported providers and see aggregated
balances at a glance. Account capacity scales with your subscription
tier.

VYO Crypto Wallet
Built-in non-custodial wallet for the VYO utility token on the BNB
Smart Chain (BSC). Send, receive, and view your VYO holdings. Private
keys remain on your device — never on our servers.

Transaction History
Full, searchable transaction records for every card and account.
Filter by date, type, amount, or counterparty.

Subscription Plans
Flexible monthly plans that unlock additional account capacity and
premium features. Upgrade or downgrade anytime.

Modern Design
A clean, minimalist interface with light and dark themes. Built with
React Native for fast, fluid performance.


PRIVACY AND SECURITY

Valygo collects only the minimum data required to operate the app:
name, email, phone number, country of residence, and security tokens.
We never store your bank credentials, card numbers, private keys, or
wallet recovery phrases. All communication is transmitted over
encrypted channels.

Optional biometric lock secures the app with fingerprint or face
authentication, handled entirely by your device's operating system.
Two-factor authentication and one-time passcodes protect your account
against unauthorized access.


REGULATORY DISCLOSURE

Valygo is a technical software platform. It is not a bank, payment
service provider, custodian, or financial institution. Banking, card
issuance, exchange, and KYC services accessible through the app are
provided exclusively by licensed third-party financial institutions
acting under their own regulatory authorizations.

Valygo does not hold customer funds or operate financial accounts.
Cryptocurrency features are non-custodial — you retain exclusive
control over your private keys at all times.


SUPPORTED REGIONS

Valygo is available only in jurisdictions where its use is permitted
by local law. Service is not offered in restricted territories listed
in the Supported Countries notice inside the app. Users are
responsible for ensuring compliance with applicable laws in their
region.


LEGAL AND CONTACT

Operator: VALYGO Limited
Smart Station, First Floor, Incubator Building, Masdar City, Abu Dhabi

Privacy Policy: https://privacypolicy.valygo.com/legal/privacy-policy
Support: contact@valygo.com

By installing Valygo, you agree to our Terms and Conditions and
Privacy Notice.