Financial Reconciliation & Verification

Prove what happened
to the money.

Reconciliation is the mechanism. Proof is the product. Banks, payment processors, and ledgers never agree on where the money went. NAYA lines them up, automates reconciliation, and proves who is right.

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  • SOC 2 TYPE II CERTIFIED
  • NON-CUSTODIAL ARCHITECTURE
  • GOOGLE CLOUD PARTNER
Performance Benchmark

Month-End Close Speed

14Days
Traditional Process
4Hours
Powered by NAYA AI
Precision Matching99.9% AccuracyReal-Time Sync

Sound familiar?

Month-end close stretches to 14 days across disconnected bank portals.

Bank statements (MT940/BAI2) do not match payment processor settlement batches.

Sponsor bank demands daily custodial program reconciliation under strict audit standards.

Loan tapes diverge from core credit facilities and borrower payment legs.

Financial Reconciliation & Verification

From fragmented rails to reconciled proof.

Select your transaction flow to see how NAYA connects source feeds, matches line-by-line, and isolates breaks.

{
  "accounts": {
    "account_type": "liability",
    "metadata": {
      "user_id": "usr_123",
      "kyc_status": "verified"
    },
    "controls": {
      "min_balance": 0,
      "currency": "USD"
    }
  },
  "eventTypes": [
    "wallet_topup",
    "p2p_transfer",
    "withdrawal"
  ]
}

Ledgering and data reconciliation for stored-value wallets and peer-to-peer payments.

Reconcile Multi-Rail Fintech
Mobile App API
Data Hub
Controls
Ledger
Recon
Balance Update
Data Flow: Multi-Rail Fintech

See it in action

Our AI reconciliation engine processes thousands of transactions in seconds, identifying matches across your bank, Stripe, and ERP automatically.

94%
Automatically Matched
47
Need Review
$12,340
Variance Explained
reconciliation_v1_final.csv
Stripe Transfer #8814
Matched with NetSuite Journal Entry
$4,240.00
Stripe Transfer #8824
Matched with NetSuite Journal Entry
$4,240.00
Stripe Transfer #8834
Matched with NetSuite Journal Entry
$4,240.00
+ 2,492 more matches

How NAYA helps your team

For Controllers

  • Close in days, not weeks
  • Stop manual Excel matching
  • Automate audit evidence
See Controller workflow

For CFOs

  • See cash position 5 days earlier
  • Scale volume without hiring
  • Certify filings on verified proof
See CFO dashboard

For Risk & Compliance

Satisfy sponsor bank oversight and regulatory audits with tamper-evident, non-custodial transaction lineage.

  • Tamper-evident transaction lineage
  • Non-custodial, read-only by design
  • Exam-ready evidence on request
See controls and audit trails
30-Day Operational Run

Four weeks from fragmented feeds to a signed proof pack

Every engagement starts the same way: your real data, your real breaks, on a fixed 30-day clock.

  1. 01
    Week 1

    Multi-Source Ingestion

    We connect your bank statement feeds, payment gateway settlement files, and internal general ledger, then normalize every record into one comparable shape.

    Bank statements, gateway settlement files, internal GL

  2. 02
    Week 2

    Deterministic Matching

    Rule-based matching runs line by line against your contracted fee schedules and value dates. Every unmatched record is detected and classified automatically.

    Rule-based matching, automated break detection

  3. 03
    Week 3

    Exception Triage & Investigation

    Alfred investigates what deterministic matching could not close, returning root-cause explanations in plain language with citations back to the raw source lines.

    Alfred root-cause explanations with source citations

  4. 04
    Week 4

    Operational Close & Proof Pack Delivery

    You close the period on verified numbers and receive a signed proof pack your auditors and sponsor bank can check independently, then move onto an ongoing monthly run.

    Executive audit attestation and proof pack handover

Request a 30-Day Operational Run

Platform Features

Every transaction, matched against its source and explained when it does not line up.

Multi-Source Orchestration

Connect any payment processor, ERP, or data source. NAYA reconciles them automatically. (Stripe, Amazon Payments, various banks, ERPs)

Learn more

Ledgers

Real-time transaction accuracy across all accounts. Automatic matching with confidence scoring. Up to 99.9% accuracy with AI-powered matching

Learn more

Intelligent Break Investigation (Alfred)

Deterministic matching runs first. Alfred analyzes remaining breaks across FX slippage, interchange deductions, and cutoff timing, delivering plain-language explanations with raw line-item citations.

Learn more
0%
transactions matched automatically
0 hours
average close time6 days4 hours
0%+
accuracy rate
Deterministic
Non-Custodial
Multi-Source
Audit-Ready

Why financial leaders choose NAYA

Four pillars the buying committee can check for themselves.

Deterministic Accuracy

Mathematical verification against the source record. No fuzzy guessing, no probabilistic balances, no confidence score standing in for an answer.

Structural Neutrality

Non-custodial and read-only. NAYA verifies money movement without ever touching it, so our proof stays independent of your funds flow.

Multi-Source Breadth

Bank cores, statement parsers, payment gateways, ERP general ledgers, and loan tapes, normalized into one comparable record set.

Audit-Ready Lineage

Tamper-evident proof packs that regulators, auditors, and sponsor banks can verify line by line, back to the raw source feed.

Solutions

Purpose-built infrastructure for your specific business model.

Knowledge Base

Deep dives into fintech architecture and concepts.

Blueprints

Pre-configured infrastructure patterns.

AICPASOC2
Type II

Built for the executives who get audited.

Non-custodial and read-only. Deploys in your region or dedicated VPC, including on-soil data residency for US, UAE, and KSA.