$75K
+$75K this year1 filing since 2026 · latest Equity filed
Technology Holdings North America Inc. operates as Vama, a cross-platform messaging app that combines chat with built-in payments. Users can message contacts and send money, tip, split bills, or run paid subscription communities without leaving the conversation, on instant fee-free peer-to-peer transfers with end-to-end encryption. The company was founded in 2022 and is headquartered in Santa Monica, California, led by CEO Carlos Cruz. More recently Vama has added a built-in OpenClaw AI agent that handles email, research, scheduling, and tasks inside the messenger.
What sets it apart
Vama positions itself as a 'WeChat of the West' — collapsing messaging, peer-to-peer payments, creator subscriptions, and an AI agent into one app so users never switch between a chat app and a payment app. Peer-to-peer transfers are instant and fee-free, and an embedded AI agent handles tasks directly in the chat surface.
A cross-platform messenger with native payments: users chat, send and request money, tip, split bills, and run subscription communities inside a single encrypted app.
