Financial services built for lives that cross borders.
Chhaya is a financial services platform for migrant employees — protection, credit and everyday savings, woven into life across the UAE and Southeast Asia.
Built for people whose lives cross borders.
Chhaya began in 2020 with a simple observation: the people who keep two households running — migrant workers, remittance senders, families living across borders — are the ones financial services serve least.
So we built for them. Not another product, but a platform that brings protection, credit and everyday savings into the financial journeys these families already take — the remittance, the payroll, the doctor's visit, the weekly grocery run.
Today the platform serves more than 100K customers across four countries, working with insurers, financial institutions, employers and service partners through one layer of technology.
Protection was our starting point. A complete financial life for migrant families is our destination.
What drives us.
Our mission
To embed protection, credit and everyday savings into the financial services migrant employees already use — simple, fair and present exactly when people need them.
Our vision
A world where supporting a family across borders comes with the same financial power as living in one place — with Chhaya as the platform that makes it possible.
How we think.
Embedded beats standalone
The best financial products meet people inside journeys they're already on. We build for the moment of relevance, not the moment of sale.
Platforms compound, products don't
Every integration, partner and capability we add makes the whole system more valuable — for institutions and customers alike.
Value people feel weekly
Financial services shouldn't only matter in emergencies. We build products people benefit from every week — at the clinic, the grocery, the ticket counter.
Technology with judgement
We use automation and AI to make decisions faster and fairer — never to hide behind.
Partnership is the product
We grow by making our partners stronger — when insurers, institutions and employers succeed, the platform succeeds with them.
Built for two homes
Most of the people we serve live financial lives that cross borders. We design every product and partnership for families in more than one country.
The next decade of financial services won't look like the last one.
Financial services are becoming embedded — woven into how people earn, send, spend and care for family across borders. Chhaya's platform makes that real today. If you're a bank, insurer, employer, service partner or investor who sees the same future, we should talk.