What Payna does
Payna is an AI licensing agent and compliance operating system for regulated financial industries. It manages financial licensing across US states, covering applications, renewals, ongoing maintenance, and monitoring, and tracks state statutes, NMLS procedures, and FinCEN requirements.
Key capabilities
- Regulatory tracking across state and federal licensing frameworks
- Deadline management that works backward from regulatory due dates, accounting for state-specific processing times
- Compliance scoring against examiner expectations with pass/fail probability assessments
- Document automation: pre-filling renewals, drafting policy updates, generating reports, and routing for e-signature
- Timestamped audit trails for exam preparation
Who it's for
Payna serves money transmitters, lenders and mortgage companies, crypto/VASP businesses, debt collectors, and insurers that must hold licenses across many jurisdictions. As an AI finance and compliance tool, it also supports law firms and compliance consultancies managing licensing for fintech clients.