Convenient and secure way to communicate and make payments in one easy-to-use app.


  • Vama offers a convenient and secure way for users to communicate and send money to each other in one easy-to-use app.
  • The current mode of using separate applications for communication and payments is often inconvenient and time-consuming for users, leading to a fragmented experience.
  • Vama combines chat and payments in one platform, simplifying the user experience while providing a more efficient and cohesive solution for users who want to communicate and make payments with ease.
  • Vama looks to fill the market gap with our combined 2-in-1 messaging and payments application. Today these 2 are separate and distinct markets - the market for mobile instant messaging is worth USD 24.21 billion globally in 2022, growing to USD 41 billion in 2028, and the global real-time-payments market is USD 46.6 billion in 2021, forecasted to grow to USD 184 billion in 2026.
  • Vama is targeting to reach and maintain 1 million Monthly Active Users (MAU) in our first year and 5 million users within 3 years.
  • Vama is led by a visionary and accomplished international entrepreneur with previous successes launching and operating multi-million dollar companies and a team of MIT alumni and experienced developers.*
* Past performance is not indicative of future results.


Switching apps for communication and payments

  • There is a fragmentation today in the communication and payment experiences on mobile devices. 
  • This can be inconvenient and time-consuming, especially when dealing with multiple conversations and payments at the same time.
  • Users have to switch between using different applications for messaging and for sending money to accomplish their goal of making a payment to someone.


A single, cohesive experience for users

Vama simplifies the user experience, making it easier for people to communicate and send money to each other.

  • By integrating payments into our chat platform, users can now to complete their tasks in a simple, straightforward manner. While they are having conversations with family and friends, they can share photos, videos, files and send money. 
  • Vama not only eliminates the need for multiple apps, but also streamlines the communication and payment processes, allowing users to complete their tasks more efficiently and with less hassle. 
  • Vama takes care of the security, privacy and transparency of the payment process, crucial for the users’ peace of mind.


A seamless and convenient way to communicate and send money

By combining chat and payments in one platform, Vama simplifies the user experience and provides a more efficient and cohesive solution for users who want to communicate and send money with ease.

  • One app for messages and payments — The Vama mobile app allows users to send secure messages and files to each other, as well as to make payments seamlessly within the same platform.
  • Safe and secure messages  — The chat function of the Vama app provides secure and private messages to one person or to a group. Create conversations and message broadcasts for communities or a group of followers who share similar interests.
  • Easily manage conversations — The app also allows users to easily manage their conversations, making it simple to find and reference past messages and files.
  • Send money securely — The payment function of the Vama app provides a simple and secure way for users to send and receive money. Users can link their debit cards or credit cards to the app, and then send or receive payments directly within the chat platform. The app provides real-time payment confirmation, making it easy for users to keep track of their transactions.


Our target audience includes:

  • Consumers
    Individual consumers who want to chat and send money to each other in a seamless and convenient way. Our app is ideal for people who want to pay their friends and family, split bills, or simply send money to each other without having to switch between different apps.
  • Small businesses
    Small businesses who need an easy and secure way to accept payments from customers. Our app can be used to send invoices, process payments, and manage transactions, all within a single platform with our secure file sharing feature.
  • Financial institutions
    Financial institutions who want to offer a mobile payment and communication solution to their customers.
  • Partners
    Partners who want to integrate into our platform and offer additional services to our users. These partners may include other fintech companies, e-commerce platforms, and service providers who want to offer value-added services to our users.
  • Creators
    Anyone can open a free Vama account that a community who shares the same interest can follow. Creators can use Vama as a platform to monetize their content.

Business model

Communications and payments are everyday tasks for everyone

As users ourselves, we are confident Vama will become the leader in the payments and communication space.

  • New markets & customer segments — Vama aims to grow its user base by reaching new markets and demographics.
  • Product development —Vama will continuously evolve and be improved to meet the changing needs and preferences of its users as our user base grows.  
  • Partnerships — Build and maintain strong partnerships with financial institutions and payment processors to facilitate the secure transfer of funds.
  • Secure, private & personal information protection — Security and privacy are paramount to Vama's value proposition. The app will maintain a high level of security and privacy for its users, including strong encryption, secure data storage and rigorous privacy policies.
  • Increase revenue & profitability over time — Vama's success depends on its ability to generate revenue and be profitable. This involves identifying and implementing monetization streams, such as transaction fees and commission charges, and continually refining the app's business model to maximize revenue and profitability over time.


One single app that does your messaging and real-time payments seamlessly, safely and securely

  • Instant Messaging
    The instant messaging market was estimated at USD 24.21 billion globally in 2022 and is forecasted to reach USD 41 billion by 2028. (footnote 1)
  • Real-Time Payments
    The global real-time payments market is worth USD 46.6 billion in 2021 and is forecasted to grow to USD 184 billion in 2026 (a CAGR of 31.6% a year over the next 5 years) according to ACI Worldwide’s 2022 Prime Time for Real-Time report.
  • In a PYMNTS report, there were 1.8 billion transactions taking place in the U.S. in 2022 and this is expected to hit 8.9 billion transactions in 2026 (footnote 3), (a CAGR of 49% a year in the growth of number of transactions, over the next 4 years).


A full-featured chat messaging platform with a seamless, secure and easy to use payments functionality built-in

  • Vama's vision is to provide a simple, secure, and convenient way for users to communicate and send money to each other using a single application. 
  • By integrating payments into the chat platform, users can easily and securely send money to each other without the need for multiple apps or complicated processes.
  • Vama's chat platform would provide a secure and private way for users to communicate with each other. The platform would be designed with user convenience and ease of use in mind, with features like quick payment confirmation and customizable communication settings.

There is no single application available today that allows for the ease of messaging and making real-time payments in an easy, trusted and secure manner.

Management Team

Carlos Cruz
CEO & Founder

  • Carlos Cruz is a visionary and accomplished international entrepreneur with a remarkable track record of success in operating several multi-million-dollar companies.
  • A master of operations, multi-channel product distribution and marketing, Carlos has a proven ability to increase sales, grow bottom lines, and spearhead operational improvements that drive productivity and reduce costs.
  • With a keen eye for detail and a pragmatic approach, Carlos thrives in dynamic, demanding environments. His advanced software development skills and intuitive strategies have led to the development of an iOS app used by over 10,000 global users monthly.
  • As the CEO of Vama, Carlos is responsible for leading operations and strategic direction with full responsibility for bottom-line factors, including long-range planning, global product management, and iOS development processes.
  • Carlos's exceptional communication skills and strong negotiation abilities have been essential in negotiations with vendors and other software developers.
  • As the CEO of Vama, Carlos is responsible for leading operations and strategic direction with full responsibility for bottom-line factors, including long-range planning, global product management, and iOS development processes.
  • He provides cross-functional management and general oversight of seven computer programming contractors, ensuring a dedicated and motivated team of personnel ready to provide the highest quality service to their customers.

Bryan Nguyen
Head of Engineering

  • As Head of Engineering at Technology Holdings North America Inc., Bryan is an exceptional leader who oversees engineering operations and drives results.
  • Bryan is responsible for implementing engineering strategy and operational goals with a goal to exceed customer expectations.
  • He works closely with internal and external stakeholders to provide technical support for all activities, whilst ensuring that technical support is available for all teams.

David Morejon
Head of Backend

  • A MIT graduate with extensive experience in overseeing backend system development and maintenance. David's background and experience brings exceptional technical expertise in backend systems.
  • David drives the company's technology roadmap and is passionate about creating workflows that provide workload balance. David not only focuses on the technical aspects, he drives the team to consistently deliver high-quality work.
  • A committed leader, David's attention to detail aims to produce quality code and recommending effective system solutions.

Patryk Średziński
Senior iOS Engineer

  • Patryk brings extensive years of experience in iOS application development.
  • With a keen focus on maintaining clean and efficient code base, Patryk is committed to consistently deliver high-quality software solutions.
  • Patryk has a diverse technology background, with past experiences in delivering solutions with IoT devices, bluetooth connectivity, secure bank applications and low-level coding for GPU compilation.

Haim Vanunu
Senior Backend Engineer

  • Haim brings with him over 20 years of experience in software engineering and leading technology development teams.
  • He has deep and comprehensive knowledge of architectural frameworks and server technologies.
  • Experienced in adapting new technologies and implementation of scalable, high-performance systems, Haim aims to consistently exceed client expectations.

Mahmoud Naja
Senior Android Engineer

  • Mahmoud brings deep experience in software engineering in the design and development of mobile applications.
  • He has proven track records in leading the development of complex applications across different industries.
  • With his deep understanding of mobile architecture coupled with tools and techniques to leverage the latest emerging technologies, Mahmoud is positioned to create high-quality applications for that seamless user experience.


Join Vama as an early investor

Vama is the all-in-one messaging and instant money transfer app that's poised to revolutionize the way we communicate and send money in real-time.

At Vama, we're committed to delivering the simplest, most convenient, and easy-to-use platform for secure payments and seamless conversations. Whether you're at home or on the go, our app enables you to send and receive money while chatting with friends, family, or business associates, all with just a few taps on your internet-connected device.

As an early investor in Vama, you'll have the opportunity to capitalize on our tremendous potential for growth, as we continue to expand our user base and develop new features and functionalities that set us apart from the competition.

Click the Invest button now and join us on this exciting journey toward a brighter, more connected future. And if you have any questions or concerns, don't hesitate to reach out to our team for more information. We look forward to welcoming you to the Vama family!

Vama Team

About Vama

Legal Name
Technology Holdings North America Inc.

May 2022




100 Wilshire Blvd, Suite 700, Santa Monica, CA 90401, USA

Vama Core Team

Combining messaging and payments into one convenient and secure platform.

Carlos Cruz

CEO & Founder

Bryan Nguyen

Head of Engineering

David Morejon

Head of Backend

Discussion Section
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