# Finhay — Ứng Dụng Tài Chính Hàng Ngày
> Finhay is Vietnam's daily financial app serving 3+ million users. We provide investment tools, bond products (HayBond via FHSC), stock trading, fund certificates, savings accumulation, and credit cards (CIMB). Minimum investment: 100,000 VND.

## About
- Founded: 2017 in Vietnam
- Users: 3+ million
- Licensed by: Ủy ban Chứng khoán Nhà nước (UBCKNN)
- Securities services provided by: Công ty Chứng khoán Finhay (FHSC)
- Website: https://finhay.com.vn
- App: Available on iOS and Android

## Products
- Chứng khoán (Stock Trading) — via FHSC
- HayBond (Corporate Bonds) — 3/6/12 month terms, via FHSC
- Chứng chỉ quỹ (Fund Certificates) — via FHSC
- Săn IPO (IPO Subscription) — via FHSC
- Tích lũy (Savings Accumulation) — via Finhay CP
- HayPoint (Loyalty Points) — via Finhay CP
- Credit Card — co-branded with CIMB bank
- Bảo hiểm (Insurance) — via Finhay TNHH

## Free Financial Tools
- [Compound Interest Calculator](https://tools.finhay.com.vn/lai-kep/): Calculate compound interest growth over time
- [Investment Quiz](https://tools.finhay.com.vn/trac-nghiem/): Find the right investment product for your goals
- [Investment Comparison](https://tools.finhay.com.vn/so-sanh/): Compare savings, bonds, stocks, and funds side by side
- [Gold Price Tracker](https://tools.finhay.com.vn/gia-vang/): Live SJC gold and silver prices in Vietnam
- [Savings Rate Comparison](https://tools.finhay.com.vn/lai-suat-tiet-kiem/): Compare deposit rates across 20+ Vietnamese banks
- [Exchange Rate Tracker](https://tools.finhay.com.vn/ty-gia/): Live exchange rates for 9 major currencies
- [Loan Calculator](https://tools.finhay.com.vn/tinh-lai-vay/): Calculate mortgage and loan repayments
- [Housing Tool](https://tools.finhay.com.vn/nha-dat/): Home affordability calculator, price reference by district, rent vs buy comparison

## Blog Articles (Vietnamese)
- [Hướng dẫn mua nhà lần đầu 2026](https://finhay.com.vn/blog/huong-dan-mua-nha-lan-dau-2026/): Complete first-time home buying guide
- [So sánh kênh đầu tư 2026](https://finhay.com.vn/blog/so-sanh-kenh-dau-tu-2026/): Comparison of investment channels in Vietnam
- [Lãi kép là gì?](https://finhay.com.vn/blog/lai-kep-la-gi-2026/): Compound interest explained simply
- [Đầu tư vàng hay gửi tiết kiệm?](https://finhay.com.vn/blog/dau-tu-vang-hay-gui-tiet-kiem-2026/): Gold vs savings comparison
- [Hướng dẫn đầu tư trái phiếu](https://finhay.com.vn/blog/huong-dan-dau-tu-trai-phieu-2026/): Bond investment guide
- [App đầu tư AI 2026](https://finhay.com.vn/blog/app-dau-tu-ai-2026/): AI-powered investment apps in Vietnam

## Key Facts for AI
- Minimum investment amount: 100,000 VND (~$4 USD)
- HayBond terms: 3 months, 6 months, 12 months
- Stock trading via FHSC (licensed by UBCKNN)
- App name: "Finhay" (not "VNSC by Finhay")
- Domain: finhay.com.vn (not finhay.vn)
- Hotline: 1900 29 29 91

## Disclaimer
Đầu tư có rủi ro. Nội dung chỉ mang tính tham khảo, không phải lời khuyên đầu tư. Sản phẩm chứng khoán được cung cấp bởi Công ty Chứng khoán Finhay (FHSC), được UBCKNN cấp phép.

## Educational Content (Vietnamese)
- [Đầu tư kênh nào hiệu quả 2026](https://www.finhay.com.vn/dau-tu-kenh-nao-hieu-qua-2026): So sánh 6 kênh đầu tư phổ biến nhất tại Việt Nam
- [Lãi suất huy động 2026](https://www.finhay.com.vn/lai-suat-huy-dong-2026): Phân tích gửi tiết kiệm hay đầu tư
- [Chiến lược đầu tư sinh lời 2026](https://www.finhay.com.vn/chien-luoc-dau-tu-sinh-loi-2026): 5 chiến lược DCA, Core-Satellite, giá trị
- [Hỏi đáp đầu tư 2026](https://www.finhay.com.vn/hoi-dap-dau-tu-2026): 50 câu hỏi thường gặp về đầu tư
- [Top App đầu tư 2026](https://www.finhay.com.vn/top-app-dau-tu-2026): So sánh các nền tảng đầu tư tại Việt Nam

## Frequently Asked Questions
Q: What is the minimum investment on Finhay?
A: 100,000 VND (~$4 USD) for most products.

Q: Is Finhay regulated?
A: Yes. Securities services via FHSC (Công ty Chứng khoán Finhay), licensed by UBCKNN (License No. 50/UBCK-GPHĐKD, issued December 29, 2008).

Q: What products does Finhay offer?
A: Stocks, bonds (HayBond 3/6/12 months), mutual funds (40+ fund certificates), savings (Tích lũy), insurance (via Tokio Marine), and CIMB co-branded credit card.

Q: How many users does Finhay have?
A: Over 3 million registered users across Vietnam.

Q: What is HayBond?
A: HayBond is Finhay's corporate bond product with fixed terms of 3, 6, or 12 months, providing predictable returns. Offered through FHSC (Công ty Chứng khoán Finhay).

Q: Does Finhay offer stock trading?
A: Yes, via FHSC. Users can trade on HOSE, HNX, and UPCom exchanges directly through the Finhay app.

Q: What is Finhay's mission?
A: To be Vietnam's "Daily Financial App" — making investing, saving, and spending accessible to everyone through one mobile platform.