Welcome to the NAYA engineering and product blog. Here we share deep dives into financial automation, intelligent compliance, and the future of fintech infrastructure.
Whether you are a CTO scaling a ledger, a Product Manager building a new lending flow, or an Operations Lead trying to automate reconciliation, you'll find actionable insights here. We cover everything from double-entry accounting at scale to the latest regulatory changes in embedded finance.
Ledger infrastructure is not just a database problem. It touches reconciliation, controls, auditability, and scale. Learn why mid-market fintechs are switching to Ledger as a Service.
The definitive guide to Ledger-as-a-Service (LaaS), exploring the technical primitives of modern financial infrastructure, and providing a framework for evaluating ledger systems for scale.
An honest architecture overview of the modern fintech infrastructure stack in 2026. Covers BaaS, payment processing, ledger systems, reconciliation, compliance, and where each layer fits. Written for engineering leaders evaluating what to build, buy, or replace.
A deep technical breakdown of how modern reconciliation engines work under the hood. Covers ingestion, normalization, matching algorithms (1:1, 1:N, N:M), confidence scoring, exception routing, and the architecture decisions that separate toys from production systems.
A practical playbook for engineering teams that need to achieve SOC 2 compliance in embedded finance. Covers audit trail architecture, access control design, evidence collection automation, and the controls that auditors actually care about.
A technical deep-dive into Stripe payout reconciliation for engineering teams. Covers webhook event handling, payout ID mapping, fee and refund matching, multi-currency edge cases, and how to build a reconciliation pipeline that actually scales.
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