intelligent finance · 170+ countries · live now

Move, store & grow —
intelligently.

FedhaIQ (formerly VertexPay) is the super‑app that thinks with you. Seamless payments, cross‑border wealth, AI guidance — one beautiful ecosystem for iOS & Android.

0+
countries
0
currencies
0k+
users
$0M+
assets moved
total portfolio
$24,816.40
▲ 12.4%
M-Pesa
KES 48.2k
Bitcoin
0.1428 BTC
FedhaThink™

"You can safely invest $150 this month without affecting your savings goal."

last transfer
$320 → NGN
delivered instantly
DeFi yield
+8.4% APY
USDC pool · live
Move Money Globally High-Yield Savings Crypto Wallets AI Financial Advisor DeFi Staking Real Estate Investing US Stocks & ETFs M-Pesa Integration 170+ Countries Move Money Globally High-Yield Savings Crypto Wallets AI Financial Advisor DeFi Staking Real Estate Investing US Stocks & ETFs M-Pesa Integration 170+ Countries
the ecosystem

Four pillars, one intelligent core

Move · Store · Grow · Think — each powerful alone, limitless together.

1 · Move

Cross‑border payments, P2P transfers, crypto remittances. Real‑time, low‑cost, truly global.

170+ countries →

2 · Store

Multi‑currency & crypto wallets, high‑yield savings pools, instant exchange at mid-market rates.

up to 9.2% APY →

3 · Grow

US stocks, ETFs, emerging market real estate, agriculture pools, DeFi staking — fractional.

8 asset classes →

4 · Think

AI insights, cashflow forecasts, personalised portfolio guidance — your 24/7 financial co‑pilot.

FedhaThink™ →
solutions

Everything in one intelligent layer

Fragmentation ends here — from idle cash detection to AI‑driven investment suggestions, it's all connected.

Cross-border without borders

Send KES to NGN to USD in seconds. FX at true mid‑market rates, zero hidden fees, M-Pesa and bank-grade security.

Real-time FX M-Pesa SWIFT & crypto
  • Global transfers at mid-market FX — no markups, ever
  • Crypto-powered remittances for countries without banking rails
  • Business payment batching & bulk disbursements
  • Instant M-Pesa integration — send and receive in one tap
  • Settlement in fiat, stablecoin or crypto — your choice

Store — smart & safe

Multi‑currency accounts, high‑yield savings with automated reinvestment, stablecoin options, and idle fund detection that works for you.

Up to 9.2% APY USDC / USDT
  • Fiat & digital wallets with automated yield on idle balance
  • Goal‑based savings — "house deposit by Dec 2026"
  • Stablecoin treasury to hedge against local currency risk
  • Instant currency swaps with zero spread at optimal timing
  • FDIC/NDIC partner guarantees where applicable

Grow — fractional & real

Start investing from $1. US stocks, ETFs, African real estate, agriculture pools, DeFi staking. All in one tap.

From $1 8 asset classes
  • Fractional US stocks & ETFs — Apple, S&P 500 from $1
  • Emerging market real estate pools — Kenya, Nigeria, Ghana
  • Agriculture & commodity pools with quarterly yield
  • DeFi staking and liquidity provision — non-custodial
  • Copy-investing from curated expert portfolios, transparent metrics
fedha think™

Your personal financial intelligence

Not just charts — proactive guidance. FedhaIQ's AI detects spending patterns, forecasts cash flow, and surfaces tailor‑made opportunities.

vs. traditional tools
fragmented apps vs FedhaIQ
💼 separate wallets unified
📈 multiple exchanges one layer
🤖 AI financial advice built-in
🌍 local + global assets both
📊 proactive insights real-time
🔄 cross-border + DeFi native
Idle fund detection — FedhaThink™ spots uninvested cash and auto-suggests where to put it to work, with risk level clearly shown.
Plain-language insights — "You spent 34% more on dining this week" — no jargon, no charts, just useful signals.
Cashflow forecasting — 30-day outlook based on your spending patterns and upcoming bills, with confidence bands.
Volatility alerts — real-time risk signals for your crypto and stock positions, with what to do next.
Goal-based simulation — "If I save $200/month, I hit my house deposit in 18 months" — adjustable, live, visual.
Portfolio rebalancing suggestions — one-tap to execute, with tax-efficiency considerations built in.
explore FedhaThink™
investor relations

Building the financial infrastructure of Africa & beyond

FedhaIQ operates at the intersection of Africa's $65B fintech opportunity and the global shift to AI-native finance. We're raising to scale.

0k+
active users
$0M+
total volume processed
0%
MoM growth rate
0.8 ★
app store rating

Why invest in FedhaIQ

$65B African fintech opportunity

Sub-Saharan Africa has 350M+ unbanked adults. FedhaIQ's mobile-first infrastructure reaches them first.

AI-native from day one

FedhaThink™ is not a bolt-on feature — it is the core product loop. Every action generates smarter signals.

Multiple revenue streams

FX spread, premium subscriptions, yield sharing, B2B API, and investment management fees — diversified from launch.

Proven early traction

150k users, $210M volume, 4.8 stars, and 47% MoM growth — without paid acquisition. Word of mouth only.

Roadmap

MVP Launch done
Payments, wallets, M-Pesa — 6 markets
FedhaThink™ v1 live
AI insights, cashflow forecasting, alerts
Q4
B2B API suite
Partner bank and SACCO integrations
25
Series A
10M users, 20+ markets, DeFi rails

Ready to invest in the future of finance?

We're building something category-defining. If you're a VC, angel, or fund looking to participate in Africa's fintech moment, we'd love to connect.

investors@fedhaiq.com
typical reply within 24 hours
Pitch deck available on request
financials, cap table & data room
30-min founder call
schedule via Calendly link in reply

Investor Inquiry

Fill in your details and we'll get back to you within one business day.

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reach out

We'd love to hear from you

Partnerships, press, support, or just want to say hello — pick your lane below.

General inquiries

Questions, feedback, or just curious? Drop us a line.

hello@fedhaiq.com
24h response time

Partnerships & integrations

Banks, SACCOs, fintechs, or merchant networks — let's build together.

partnerships@fedhaiq.com
B2B API docs available on request

Media & press

Journalists, analysts, and podcast hosts — media kit and founder availability below.

press@fedhaiq.com
Media kit + hi-res assets available

User support

Trouble with your account, a transfer, or the app? We're here.

support@fedhaiq.com
Also: in-app live chat · 7 days/week

Send us a message

We read every message and reply personally.

Message sent! We'll reply within 24 hours.
Something went wrong. Please email hello@fedhaiq.com directly.
join the movement

Start your intelligent finance journey today

Available on iOS and Android. One super‑app, infinite possibilities. Zero nonsense.

4.8
⭐ app rating
150k+
active users
$210M+
assets moved
170+
countries