valU is an app-based platform that offers a fast credit decision process, providing customers with instant approval on their spending limits. Users can shop for home, beauty, fashion, and grocery products, and select payment plans that suit their budget. The platform also allows customers to track their shopping history and turn their aspirations into reality by making purchases affordable and convenient. Overall, valU aims to change the way people shop by offering a lifestyle-enabling solution through its BNPL platform.