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Companies

Technology Holdings North America

Messaging app with built-in peer-to-peer payments

  • Santa Monica, CA
  • Founded 2022
  • Fintech
  • vama.com

Raised to date

$75K

of $50M offered across 1 Form D filing

Still open
$49.9M
Investors
3
Last filed
Apr 23, 2026

About

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.

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.

Funding

  • EquityFiled Apr 23, 2026Form D/A
    $75K/ $50M

Product

Vama

Consumer messaging and payments app

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.

  • Chat and money transfer combined in a single interface
  • Instant, fee-free peer-to-peer transactions
  • End-to-end encryption with real-time payment confirmations

Built for

Consumers who message and move money between individuals, plus creators and community operators monetizing paid groups; the company also cites business users wanting communication and transactions in one place

People on file