Unpacking the architectural layers required to move, record, verify, and report regulated financial transactions at scale.
Layer 1 connects to underlying banking rails, card networks, and payment processors. Layer 2 maintains operational user state, processing authorization requests and user-facing transaction history.
Sitting between operational rails and financial reporting, the NAYA Proof Engine ingests raw processor files (BAI2, MT940, CAMT.053, CSV) and verifies that every moved dollar matches internal ledger states with up to 99% automated match accuracy.
Once transactions are deterministically verified, clean summary journal entries flow into corporate ERPs, eliminating manual month-end adjustments and reconciliation breaks.
Fintechs thrive on speed, but manual reconciliation causes costly delays, compliance risks, and scaling issues. Learn how automation and machine learning cut errors by 60%, unlock real-time insights, and turn reconciliation into a strategic advantage for growth and innovation.
Generic SQL databases and application tables inevitably fracture under transactional money movement. Purpose-built ledger architecture guarantees invariant enforcement and deterministic proof.
Manual reconciliation is no longer viable. NAYA’s multi-agent AI platform transforms financial operations with 99%+ accuracy, dynamic rule generation, and real-time compliance monitoring. Discover how fintechs are replacing legacy systems with intelligent, scalable infrastructure.
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