Valora
Valora is a mobile-first, self-custodial cryptocurrency wallet built on Celo and Ethereum networks, enabling users to save, send, swap, and spend digital assets globally. Acquired by Stripe in December 2025, the app serves 200,000+ users across 100+ countries.
- Company typePrivate
- Founded2021
- HeadquartersSan Francisco, United States
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
What Valora does
Valora is a mobile-first, self-custodial cryptocurrency wallet that enables users to save, send, swap, and spend digital assets across the Celo and Ethereum blockchain networks. Founded in 2021 as a spinout from the Celo ecosystem, the product emphasizes a simplified mobile user experience with phone-number-based addressing that allows users to transact as easily as sending a text message. The wallet supports major stablecoins (USDT, USDC, cUSD, cEUR) and connects to Web3 dapps via WalletConnect. As of July 2021, Valora reported over 200,000 users across 100+ countries, with particular focus on financially underserved populations in Africa and Latin America.
The underlying technology stack leverages Celo's blockchain infrastructure (which migrated to Ethereum Layer 2 in early 2025) with multi-chain support, and integrates with multiple fiat on-ramp providers (MoonPay, Ramp, Simplex, Transak, Coinbase Pay) as well as regional payment rails (Fonbnk, Kotani Pay, Bitmama) for emerging market use cases. Sub-products include Valora Points (a tokenized loyalty rewards program), Learn & Earn (educational incentives), liquidity pools for DeFi yield generation, and email/phone-based recovery phrase backup. The product is distributed exclusively through the Apple App Store and Google Play Store with multi-language support and no account registration required for basic wallet functionality.
Valora operates a freemium model with no fees charged for wallet services; users pay only blockchain network gas fees for on-chain transactions. The company raised $20 million in Series A funding led by Andreessen Horowitz in July 2021 at a $100 million post-money valuation, with participation from Polychain, NFX, and other investors. In December 2025, Stripe acquired Valora's team as part of its expansion into stablecoin and blockchain technologies, including the Tempo blockchain project, while the Valora app continues to operate with future development managed by cLabs Inc., the legal entity that holds the Valora brand.
Valora firmographics
Firmographics- Name
- Valora
- Legal name
- cLabs Inc.
- Website
- https://valoraapp.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Acquired
- Headcount range
- 11–50 employees
- Short description
- Valora is a mobile-first, self-custodial cryptocurrency wallet built on Celo and Ethereum networks, enabling users to save, send, swap, and spend digital assets globally. Acquired by Stripe in December 2025, the app serves 200,000+ users across 100+ countries.
- Ownership category
- akta.pro rank
Valora industry classification
Industry- Product category
- Crypto Wallet
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Smart Contract Wallets / Account Abstraction (MPC/AA, social recovery, paymasters) (FSAPACAB)
- akta.pro secondary industries
- Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), Wallet Connectivity & Session Protocols (WalletConnect, deep links, QR, auth sessions) (FSAPACAF)
Keywords
Where Valora is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Markets served
Valora business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Free Wallet Services: Valora does not currently charge any fees for the Valora Services. The company was acquired by Stripe in December 2025 as part of Stripe's stablecoin and blockchain strategy. Revenue model prior to acquisition was not publicly disclosed.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free wallet with no account required |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Valora product offering
Product offeringCore offering
Valora is a mobile-first, self-custodial digital wallet that enables individual users to save, earn, send, and swap cryptocurrency directly from their smartphone. Built on the Celo blockchain with multi-chain support for Ethereum and Celo networks, the app supports stablecoins (USDT, USDC, cUSD, cEUR), Celo native tokens (CELO), and ERC-20 tokens, and connects to Web3 decentralized applications. The product is distributed through Google Play and Apple App Store as a free-to-use consumer application.
Product overview
Valora is a single unified mobile wallet product offering a suite of cryptocurrency management features built on Celo and Ethereum blockchain networks. The core Valora Wallet provides self-custodial storage, sending, swapping, and earning capabilities, while sub-products like Save (stablecoins), Send, Swap, and Explore (dapps) extend functionality. Loyalty features including Valora Points and Learn & Earn reward user engagement, while Email & Phone Backup enhances security. The product integrates multiple payment providers (MoonPay, Ramp, Simplex, Transak, Fonbnk, Bitmama, Kotani Pay) for fiat on-ramps and supports WalletConnect for dapp connectivity. Following Stripe's acquisition of the Valora team in December 2025, the app continues operating while future development is managed by cLabs.
Differentiator
Problem solved
Functional benefit
Products and services
- Valora Wallet A mobile-first, self-custodial digital wallet that lets individual users save, earn, send, and swap cryptocurrency on iOS and Android. Built on the Celo blockchain with multi-chain support for Ethereum, it supports stablecoins (USDT, USDC, cUSD, cEUR), Celo native tokens (CELO), and ERC-20 tokens, and provides instant global transactions with low fees plus connectivity to Web3 decentralized applications.
Quantifiable outcome
- 200,000+ users across 100+ countries achieved within first 5 months of launch
Companies that use Valora
Customer profileSegments2 records
Ideal customer profiles2 records
Valora technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
Feature6 records
Valora partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered flagship and core.
- StripeflagshipStripe acquired the Valora team in December 2025 as part of its expansion into stablecoin and blockchain technologies. The acquisition aims to leverage Valora's expertise in web3 and user-first experiences for Stripe's blockchain initiatives including the Tempo project.
- CelocoreValora is built on the Celo blockchain, which migrated to Ethereum Layer 2 in early 2025. Celo provides the underlying blockchain infrastructure for the wallet's operations.
- Coinbase PaycoreIntegration allows users to buy cryptocurrency using Coinbase Pay within the Valora app, providing a fiat on-ramp for users to fund their wallets.
- MoonPaycoreThird-party service provider for purchasing cryptocurrency within the Valora app, enabling fiat-to-crypto conversion.
- RampcoreThird-party service provider for purchasing cryptocurrency within the Valora app, enabling fiat-to-crypto conversion.
- SimplexcoreThird-party service provider for purchasing cryptocurrency within the Valora app, enabling fiat-to-crypto conversion.
- TransakcoreThird-party service provider for purchasing cryptocurrency within the Valora app, enabling fiat-to-crypto conversion.
- WalletConnectcoreWalletConnect protocol integration enables Valora users to connect to Web3 dapps and decentralized applications during checkout for online purchases.
Scale indicators4 records
Recent moves8 records
Expansion highlights5 records
Valora competitors and assessment
Company assessmentDirect peers
- MetaMask: MetaMask is the leading self-custodial crypto wallet with a mobile app, browser extension, and dapp connectivity via WalletConnect. Direct competitor to Valora across self-custody, multi-chain support, swaps, and Web3 dapp exploration, with a substantially larger user base.
- Trust Wallet: Trust Wallet (owned by Binance) is a mobile-first multi-chain self-custodial wallet supporting thousands of tokens, in-app swaps, and dapp browser. Directly comparable to Valora on mobile-first design, multi-chain support, and self-custody, with deeper exchange-driven liquidity.
- Coinbase Wallet: Coinbase Wallet is a self-custodial mobile and browser wallet from the largest US crypto exchange. Directly comparable to Valora on multi-chain self-custody, in-app swaps, and dapp exploration, with stronger fiat on-ramp integration via the Coinbase exchange.
- Phantom: Phantom is a mobile and browser self-custodial wallet initially focused on Solana but expanding to Ethereum and Polygon. Comparable to Valora on mobile-first UX, in-app swaps, and dapp connectivity, with a similar consumer-grade design philosophy.
- Rainbow: Rainbow is a mobile-first Ethereum wallet focused on a polished consumer UX, NFTs, and token swaps. Closely comparable to Valora's mobile-first, design-led positioning and self-custodial architecture, with a stronger NFT-centric use case.
- Exodus Wallet: Exodus is a multi-chain self-custodial wallet available on mobile and desktop with built-in swaps and staking. Directly comparable to Valora on multi-asset storage, in-app swaps, and mobile-first design, with a more desktop-centric heritage.
- Argent: Argent is a mobile-first smart-contract wallet with social recovery, originally on zkSync/StarkNet. Comparable to Valora on self-custody with simplified recovery UX and mobile-first design, focused more on Ethereum L2s.
- Blockchain.com Wallet: Blockchain.com Wallet is a long-standing self-custodial mobile and web wallet supporting multiple chains and in-app swaps. Comparable to Valora on multi-asset self-custody and global user base, with deeper fiat on-ramp integration.
Emerging players
- Bitso: Bitso is a Latin American crypto exchange and wallet focused on stablecoin remittance corridors. Comparable to Valora's emerging-market, remittance-and-stablecoin positioning in LATAM, with a centralized rather than self-custodial model.
Broad incumbents
- Cash App: Cash App (Block) is a mobile-first consumer payments app with Bitcoin trading, savings, and transfers. Comparable to Valora on mobile-first, text-like UX and stable-value/asset storage for everyday users, but operates as a custodial product from a large incumbent.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Valora social profiles
Digital presenceValora financial estimates
Financial estimateRevenue estimate
Valuation estimate
Valora leadership team
Management profileNumber of profiles
Profiles3 records
Valora funding detail
Funding detailFunding overview
Funding rounds2 records
Investors10 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Valora M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Valora
What does Valora do?
Valora is a mobile-first, self-custodial digital wallet that enables individual users to save, earn, send, and swap cryptocurrency directly from their smartphone. Built on the Celo blockchain with multi-chain support for Ethereum and Celo networks, the app supports stablecoins (USDT, USDC, cUSD, cEUR), Celo native tokens (CELO), and ERC-20 tokens, and connects to Web3 decentralized applications. The product is distributed through Google Play and Apple App Store as a free-to-use consumer application.
Is Valora a public or private company?
Valora is a private company. It is classified as corporate owned and is currently acquired.
When was Valora founded?
Valora was founded in 2021. It employs 11 to 50 people.
Where is Valora based?
Valora is headquartered in San Francisco, United States, in the North America region.
How does Valora make money?
One revenue line is on record: free Wallet Services.
Who are Valora's main competitors?
Direct peers on record are MetaMask, Trust Wallet, Coinbase Wallet, Phantom, Rainbow, Exodus Wallet, Argent and Blockchain.com Wallet. Bitso is listed as an emerging player. Cash App is listed as a broad incumbent.
Does Valora have an API?
No public API is recorded for Valora.
What industry is Valora in?
Valora's product category is Crypto Wallet. Its primary akta.pro industry code is FSAPACAB, Smart Contract Wallets / Account Abstraction (MPC/AA, social recovery, paymasters), with a secondary code of BPAMAFAL, Crypto Payments & Stablecoin Settlement Platforms. Its NAICS code is 522320 and its SIC code is 6200.