NAYA vs Treasury Prime: The Missing Reconciliation Layer
Why switch to NAYA?
Treasury Prime excels at 'Bank Connectivity'—giving you a modern API to talk to legacy bank cores. However, connectivity is not control. NAYA provides the critical Reconciliation and Ledgering layer that Treasury Prime users often have to build from scratch. We aggregate data from Treasury Prime and other sources to tell you the *truth* about your cash position.
Cons of Treasury Prime
- ✕Focus is on connectivity APIs, not operational workflows
- ✕Manual reconciliation is often still required
- ✕Fragmented view if you use banks outside their network
Pros of NAYA
- ✓Automated matching across ALL bank feeds
- ✓Audit-ready double-entry ledger out of the box
- ✓Real-time observability into breaks and exceptions
Key Differentiators
Automated Reconciliation
Treasury Prime moves money; NAYA verifies it arrived. Our AI engine matches bank feeds to internal records automatically.
Unified Visibility
See your cash position across Treasury Prime banks AND other providers (e.g. Mercury, Brex) in one dashboard.
Complex Ledgering
Track sub-accounts, FBO splits, and virtual wallets with a logic engine designed for fintech complexity.
Connectivity vs. Operations
Treasury Prime solved the 'How do I talk to a bank?' problem. But once you can talk to the bank, you have a new problem: 'How do I keep track of millions of transactions?'
That is the Operations Gap.
NAYA fills that gap. We take the stream of transactions from Treasury Prime and turn it into an organized, reconciled, and audited set of books.
The Multi-Bank Reality
Most mature fintechs use multiple banks. Treasury Prime helps you connect to their network, but what about your SVB operating account? Or your Stripe volume? NAYA sits above all of them, giving you a CFO-level view of your entire financial reality.
Frequently Asked Questions
Does NAYA connect to banks directly?
We integrate with bank feeds for data, but we often partner with connectivity players like Treasury Prime for the API access. We are the intelligence layer on top.
Why not just build this on top of Treasury Prime?
You can, but you will spend 12-18 months building a ledger and recon engine. NAYA gives you that infrastructure on Day 1 so you can focus on your product.
Is NAYA compatible with Treasury Prime?
Yes. We can ingest webhooks and files from Treasury Prime to update the NAYA ledger in real-time.