We exist to empower communities

Bringing financial opportunities to everyone.

Removing Banking Barriers for Underserved Communities

Waya is a U.S. based fintech on a mission to digitize banking for underserved and unbanked populations across the world. Our goal is to provide our community with the ability to save, spend, get paid, and pay bills wherever they live and work by delivering a fast, convenient, & affordable world-class solution. With customers at the heart of every transaction, our model is designed to grant customers the opportunity to build their financial lives, safely build credit, and gain financial stability. We believe in a financially inclusive future where managing finances is easy and everyone can grow wealth.

Why we started Waya

We founded Waya to serve as the vital lifeline to underserved migrant workers by bridging the gaps experienced in using conventional banks. Financial inclusion is dear to our hearts, we understand it takes hard work, sacrifice, and perseverance for migrant workers to live abroad and have taken it upon ourselves to be the first financial service geared towards providing features that have been unavailable to migrants for years. We are devoted to elevating financial inclusion to our community and have designed a framework that unlocks partnerships, to bring down costs and allows us to build innovations faster.

Meet the founders

David Wachira
David Wachira Co-founder & CEO
Aenoi Chanthavong
Aenoi Chanthavong Co-Founder & CRCO
Maroria Hempston
Hempstone Maroria Co-founder and CTO
Renzo Sotomayor
Renzo Sotomayor Co-founder

What We Believe

We believe immigrants should be able to look after their loved ones and build their financial future easily.


We believe in simple solutions, as a financial technology company, our aim is for our customers to awe in how simple it is to have a digital bank. Simply open an account, save, spend, pay with a few taps on your phone.

Doing Good

We believe fostering inclusivity creates impact and is the only way to development. We see the world in one lens, we are all equal and should all access equal opportunities. Doing good by a woman, student, person of color, immigrant is the essence of life.


We believe we are stronger together. Alone, we cannot fulfill our mission, alone, we cannot provide all solutions. That is why we believe in our team and work with other corporations, organizations and companies to help each other fulfill our vision.


Ready to enjoy the new account that understands you?

Driven by a common goal to empower immigrants to thrive.

We’re proud of our diverse backgrounds, which have helped us to create a product that truly serves the needs of immigrants in the USA. Our four founders come from different countries, cultures and professional backgrounds, but we share a common goal: to empower immigrants with the financial tools and services they need to thrive. With our combined expertise in finance, technology, finance and banking, we’ve built a platform that’s intuitive, accessible and tailored to the unique challenges faced by newcomers to the US. Our long term objective is to democratize financial services and provide a level playing field for everyone, regardless of their background or circumstances. We believe that financial inclusion is a key to success, and we’re committed to making that a reality for immigrants across America.

Waya is a financial technology company, not a bank. Waya’s Banking services, debit cards, and bank accounts are provided by our banking partner, as set forth in the account agreement. The Waya Mastercard® is issued by our banking partners pursuant to a license by Mastercard International Incorporated. The Waya Card may be used everywhere Mastercard is accepted in the U.S. Mastercard is a registered trademark, and the circle design is a trademark of Mastercard International Incorporated. Waya is a product of Wayapay Limited, Inc. Wayapay, Waya, and associated names are registered trademarks of Wayapay Limited, Inc. All other trademarks and brand names mentioned belong to their respective owners. Standard data rates from your wireless service provider may apply. By clicking on some of the links above, you will leave the Waya website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Waya. We recommend you review the privacy statements of those third-party websites, as Waya is not responsible for those third parties’ privacy or security practices Ⓒ 2024 Waya. All Rights Reserved.