Finhay
Finhay is a Vietnam-based, mobile-first digital wealth management super-app that lets retail investors save (HayBond), trade securities and funds via its licensed FHSC brokerage, hold CIMB payment cards, access Tokio Marine insurance, and use AI-powered tools (HayBuddy, Finhay Skills), operating across Vietnam and Japan.
- Company typePrivate
- Founded2017
- HeadquartersHanoi, Vietnam
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Finhay does
Finhay is a Vietnam-headquartered digital wealth management platform founded in 2017 that operates as a unified financial super-app for retail individual investors. The platform combines a mobile-first app (Finhay Everyday), a licensed securities brokerage subsidiary (FHSC, under SSC license 50/UBCK-GPHĐKD), a financial data and analytics product (HayInsights), and a suite of 15+ free financial planning tools. The integrated product portfolio spans HayBond savings (from 1,000,000 VND), stock and fund certificate trading via FHSC, margin trading, commodity trading via MXV membership (Business Member No. 065), co-branded CIMB Vietnam payment cards, Tokio Marine insurance distribution, and HayPoint loyalty rewards. The company also operates a Tokyo office supporting Japan market expansion.
The technology stack is mobile-first with cloud-based trading infrastructure, an AI-powered chatbot assistant (HayBuddy), a financial radar analytics tool (Radar Tài Chính), and an emerging AI-agent integration layer (Finhay Skills Hub with Function Calling APIs for finhay-market, finhay-portfolio, finhay-trading). Distribution is product-led and self-service, supplemented by a network of 68+ financial institution partners — including Techcombank, CIMB Vietnam, DragonCapital, VinaCapital, and Tokio Marine — and media partnerships with VTV1, VNExpress, CafeF, Thanh Nien, and Dan Tri.
The business model is transaction-fee driven across multiple streams: securities brokerage commissions, HayBond spread, insurance distribution fees, payment interchange (CIMB), and subscription/recurring revenue from HayInsights premium data. Finhay monetizes through a horizontal, retail-led customer base and operates without disclosed revenue figures, having last raised a $25 million Series B in June 2022 co-led by Openspace Ventures and VIG.
Finhay firmographics
Firmographics- Name
- Finhay
- Legal name
- Công ty Cổ phần Finhay
- Website
- https://finhay.com.vn
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Finhay is a Vietnam-based, mobile-first digital wealth management super-app that lets retail investors save (HayBond), trade securities and funds via its licensed FHSC brokerage, hold CIMB payment cards, access Tokio Marine insurance, and use AI-powered tools (HayBuddy, Finhay Skills), operating across Vietnam and Japan.
- Ownership category
- akta.pro rank
Finhay industry classification
Industry- Product category
- Digital Wealth Management
- NAICS
- Portfolio Management and Investment Advice (523940), Open-End Investment Funds (525910), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)
- SIC
- Security Brokers, Dealers & Flotation Companies (6211), Investment Advice (6282), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Execution-Only / Self-Directed Investing Platforms (FSAAAAAI)
- akta.pro secondary industries
- Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF), Alternatives & Multi-Asset Digital Wealth Platforms (PE/VC/Real Assets access) (FSAGAEAL)
Keywords
Where Finhay is headquartered
LocationHeadquarters
- HQ city
- Hanoi
- HQ country
- Vietnam
- HQ region
- Asia
Offices3 records
Markets served
Finhay business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Securities Trading: Securities brokerage services through FHSC (Công ty Cổ phần Chứng khoán Finhay), providing stock trading, fund certificates, and bonds with transaction-based commissions
- HayBond Savings Products: Savings and investment accumulation products starting from 1,000,000 VND with flexible terms and competitive returns
- Insurance Distribution: Distribution of insurance products (health, motor vehicle) in partnership with Tokio Marine Vietnam, earning distribution fees
- Payment & Spending Services: Co-branded payment account and credit/debit cards with CIMB Vietnam, generating interchange and service fees
- Data & Analytics Services: Premium financial data and analytics through HayInsights platform
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | HayBond savings products for retail investors |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
Finhay product offering
Product offeringCore offering
Finhay operates a digital wealth management super-app that enables Vietnamese retail investors to micro-invest starting from 1,000,000 VND through HayBond savings products, securities trading (stocks, fund certificates, margin trading) via its licensed brokerage subsidiary FHSC, co-branded payment and credit cards with CIMB Vietnam, Tokio Marine insurance products, and commodity trading via MXV membership. The platform also offers proprietary AI-powered tools including the HayBuddy assistant and HayInsights data platform to support investment decisions.
Product overview
Finhay operates as a unified digital financial super-app/platform ecosystem in Vietnam, offering a comprehensive suite of wealth creation tools across savings, investments, payments, and insurance. The core Finhay Everyday app serves as the central interface, supported by FHSC (Công ty Cổ phần Chứng khoán Finhay) for licensed securities brokerage services, HayInsights for financial data/analytics, and a suite of 15+ free financial planning tools. The product portfolio includes HayBond (savings), stock trading, mutual fund certificates (chứng chỉ quỹ), margin trading (ký quỹ), co-branded payment/credit cards with CIMB Vietnam, Tokio Marine insurance products, HayBuddy AI assistant, HayPoint loyalty program, commodity trading via MXV membership, Radar Tài Chính analytics, and free financial calculation tools covering investment, insurance, real estate, salary, FIRE, and DCA. The platform serves retail investors in Vietnam and Japan, with operations licensed by the SSC, Ministry of Science and Technology, and the State Bank of Vietnam.
Differentiator
Problem solved
Functional benefit
Brands
- HayBond: Savings product with flexible terms starting from 1,000,000 VND with competitive returns
- HayInsights
- HayBuddy
- HayPoint
- FHSC (Công ty Cổ phần Chứng khoán Finhay)
- VNSC by Finhay
Products and services
- Finhay App (Finhay Everyday) Main mobile super-app unifying savings, investment, payments, insurance, and financial tools for Vietnamese retail investors.
- HayBond Savings Savings/investment product with flexible terms starting from 1,000,000 VND, provided by FHSC, offering competitive returns and capital safety.
- Stock Trading Licensed stock brokerage service enabling Vietnamese retail investors to buy and sell equities via the Finhay app, provided by FHSC.
- Fund Certificates Mutual fund certificate investment products enabling users to access professionally managed fund portfolios through Finhay.
- Insurance Products Insurance products (health, family, motor vehicle) underwritten by Tokio Marine Vietnam, distributed and managed through the Finhay app.
- Payment & Spending Cards Co-branded payment accounts and credit/debit cards with CIMB Vietnam Bank, integrated into the Finhay app with cashback rewards.
- Commodity Trading Commodity trading services available through Finhay following its MXV Business Member No. 065 registration.
- HayInsights Data Platform Standalone financial data and analytics platform providing company analysis, market data, and investment research with premium subscription access.
- Free Financial Tools Suite A suite of 15+ free financial planning and analysis tools covering investment, insurance, real estate, salary, FIRE, DCA, and other personal finance use cases.
Quantifiable outcome
- Minimum investment starting from 1,000,000 VND makes investing accessible to mass market
- +1 more outcomes
Companies that use Finhay
Customer profileNamed customers3 records
Segments1 record
Ideal customer profiles1 record
Finhay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability5 records
Feature4 records
Finhay partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core, major and minor.
- Tokio Marine VietnamcoreInsurance partnership offering health, family, and motor vehicle insurance products through Finhay platform. Tokio Marine is Japan's largest insurance group with 145+ years of history, operating in Vietnam since 1996
- CIMB VietnamcoreBanking partnership providing co-branded payment accounts and credit/debit cards. CIMB Vietnam operates under license 61/GP-NHNN from State Bank of Vietnam. Deposits insured by Vietnam Deposit Insurance
- TechcombankmajorFinancial partner for investment and savings product distribution
- DragonCapitalmajorFund management partner providing investment fund products through Finhay platform
- VinaCapitalmajorAsset management partner offering fund certificate investments
- FHSC (Công ty Cổ phần Chứng khoán Finhay)coreSecurities company subsidiary (License 50/UBCK-GPHĐKD) providing brokerage services for stocks, fund certificates, bonds, and margin trading on Finhay platform
- Vietnam Commodity Exchange (MXV)majorFinhay became Business Member No. 065 of MXV on July 24, 2023, enabling commodity trading services
- Nama BankminorFinancial partner for banking services integration
Scale indicators4 records
Recent moves8 records
Expansion highlights6 records
Finhay competitors and assessment
Company assessmentRegional players
- Bibit: Indonesia's leading retail robo-investing app for mutual funds — directly comparable emerging-market peer in micro-investing, mutual-fund distribution, and beginner-friendly wealth UX.
- Pluang: Indonesian multi-asset retail investing app (stocks, mutual funds, gold, crypto) — comparable Southeast Asian peer for multi-product, mobile-first retail wealth.
Direct peers
- Cake by VPBank: Vietnamese digital-first consumer finance and investing super-app backed by VPBank — closely comparable to Finhay's super-app model combining payments, savings, and investments.
- VNDirect: One of Vietnam's largest retail-oriented securities brokerages with a strong digital platform (VNDrive app) — directly comparable to Finhay/FHSC in offering stocks, funds, derivatives, and margin to retail investors.
- SSI Securities Corporation: Vietnam's largest securities brokerage by market share; operates the iBoard/SSI digital trading platform and fund certificates — directly competes with Finhay's FHSC for retail brokerage and fund distribution.
- HSC (Ho Chi Minh City Securities Corporation): Top-tier Vietnamese brokerage with HSC Online trading platform and a fund certificate offering — directly comparable to FHSC on retail brokerage and mutual-fund distribution.
- TCBS (Techcombank Securities): Tech-forward brokerage backed by Techcombank, with a popular mobile app and broad retail securities/fund offerings — directly comparable to Finhay on digital-first retail investing and bank partnership model.
- Mirae Asset (Vietnam): Vietnamese arm of Korean Mirae Asset, offering retail securities brokerage and fund certificates — comparable to Finhay on multi-product retail investing and fund distribution.
Broad incumbents
- Dragon Capital: Vietnam's largest asset manager, also a fund distribution partner of Finhay; comparable as a broader incumbent in the Vietnamese fund-distribution and wealth-management space.
- VinaCapital: Major Vietnamese asset manager offering open-end funds and fund certificates — comparable to Finhay on fund certificate distribution and broader wealth-management category.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Finhay social profiles
Digital presenceFinhay compliance and trust
Trust signalCompliance4 records
Finhay financial estimates
Financial estimateRevenue estimate
Valuation estimate
Finhay leadership team
Management profileNumber of profiles
Profiles4 records
Finhay subsidiaries and ownership
Company hierarchySubsidiaries2 records
Finhay funding detail
Funding detailFunding overview
Funding rounds6 records
Investors10 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Finhay 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 Finhay
What does Finhay do?
Finhay operates a digital wealth management super-app that enables Vietnamese retail investors to micro-invest starting from 1,000,000 VND through HayBond savings products, securities trading (stocks, fund certificates, margin trading) via its licensed brokerage subsidiary FHSC, co-branded payment and credit cards with CIMB Vietnam, Tokio Marine insurance products, and commodity trading via MXV membership. The platform also offers proprietary AI-powered tools including the HayBuddy assistant and HayInsights data platform to support investment decisions.
Is Finhay a public or private company?
Finhay is a private company. It is classified as venture growth investor backed and is currently operating.
When was Finhay founded?
Finhay was founded in 2017. It employs 51 to 100 people.
Where is Finhay based?
Finhay is headquartered in Hanoi, Vietnam, in the Asia region.
How does Finhay make money?
Five revenue lines are on record. Securities Trading is the primary driver. The others are hayBond Savings Products, insurance Distribution, payment & Spending Services and data & Analytics Services.
Who are Finhay's main competitors?
Regional players on record are Bibit and Pluang. Direct peers are Cake by VPBank, VNDirect, SSI Securities Corporation, HSC (Ho Chi Minh City Securities Corporation), TCBS (Techcombank Securities) and Mirae Asset (Vietnam). Broad incumbents are Dragon Capital and VinaCapital.
Does Finhay have an API?
Yes. Finhay exposes a set of secure APIs enabling AI agents to interact with its core trading platform. The finhay-trading skill is built on the Function Calling protocol, allowing AI agents (such as Claude, GPT, or OpenClaw) to communicate directly with Finhay's Core Trading system. Through this API, AI can create Buy/Sell/Cancel orders for stocks, fund certificates, and other assets on behalf of the user. The finhay-market and finhay-portfolio skills provide read access to real-time market data and portfolio information respectively. API keys are dynamically encrypted, have limited validity periods, and are restricted to specific IP addresses. The Finhay Skills Hub (npm package: npx skills add finhay-pro/finhay-skills-hub) provides access to finhay-market, finhay-portfolio, and finhay-trading skills for AI agent integration. Developer documentation is at www.finhay.com.vn/huong-dan-finhay-trading.
What industry is Finhay in?
Finhay's product category is Digital Wealth Management. Its primary akta.pro industry code is FSAAAAAI, Execution-Only / Self-Directed Investing Platforms, with a secondary code of FSAGAAAF, Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P). Its NAICS code is 523940 and its SIC code is 6211.