Payna is a Y Combinator W26 company building an AI licensing agent for regulated industries. The platform automates licensing filings, renewals, amendments, and regulatory follow-ups across jurisdictions, helping companies maintain compliance without managing the process through spreadsheets and email. It currently focuses on financial services categories including lending, debt collection, and money transmission. Payna is based in San Francisco and was founded in 2025.
Payna
ActiveAI Licensing Agent for Regulated Industries
Total raised
$500K
1 round
Stage
Seed
Jan 2026
Team
1-10
since 2026
Pricing
—
Founded
2026
San Francisco, United States
Agent-ready
—
AI licensing agent for regulated industries
Automated licensing filings across jurisdictions
Automated license renewals
Handling of license amendments
Management of regulatory follow-ups
Multi-jurisdiction compliance tracking
Initial focus on financial services categories
Replacement of spreadsheet-and-email compliance processes
12/100
Early
MCP server
Public API
Webhooks
OAuth 2.0
SDKs
No public agent surfaces detected yet.
Jan 2026 Seed $500K ● Y Combinator
Capital network
$500K raised ·1 backer·10 network links
- Backers1
- Shared portfoliocompanies these backers also fund
- Extended networkfunds that co-invest alongside them
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- What is Payna?
- Payna is an AI licensing agent for regulated industries that automates filings, renewals, amendments, and regulatory follow-ups across jurisdictions.
- Which industries does Payna focus on?
- It currently focuses on financial services categories including lending, debt collection, and money transmission.
- How does Payna improve on current processes?
- It helps companies maintain compliance without managing licensing through spreadsheets and email, automating the end-to-end process across jurisdictions.
- Where is Payna based?
- Payna is based in San Francisco and was founded in 2025 as a Y Combinator W26 company.
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