Guide

What is NAYA?

The complete guide to NAYA's financial operations infrastructure, core primitives, and use cases.

NAYA is a financial operations infrastructure platform that provides unified ledger, reconciliation, and controls for fintechs and embedded finance products.

It acts as the operational backbone that sits between your banking partners (payment processors, BaaS providers, banks) and your core product. Instead of building custom ledger logic and reconciliation scripts for every new integration, product teams use NAYA to ensure financial data integrity at scale.

How NAYA Works

Bank A
Stripe
BaaS
NAYA Platform
Data Hub
Ingest & Normalize
Ledger
Double-Entry Record
Reconciliation
Match & Verify
Alfred
AI Ops Agent
Your Product & ERP

Core Primitives

  • Data Hub

    Ingests raw transaction files from any source (banks, gateways) and normalizes them into a standard schema.

  • Operational Ledger

    A high-volume, double-entry ledger that tracks granular money movements in real-time, enforcing immutability.

  • Reconciliation Engine

    Automatically matches internal ledger entries against external bank statements to detect discrepancies immediately.

  • Controls

    Real-time alerts and workflows to handle exceptions, breaks, and operational anomalies.

  • Alfred

    An AI agent that investigates reconciliation breaks and suggests resolutions, reducing manual ops work.

Who Uses NAYA?

Marketplaces & Platforms

For platforms managing split payments, seller payouts, and escrow accounts. NAYA tracks exactly how much is owed to each user and verifies that the bank balance matches the sum of user liabilities.

Lending Fintechs

For lenders tracking loan disbursements, repayments, and amortization. NAYA ensures that the loan tape matches the actual cash movements in the bank account.

Frequently Asked Questions

Is NAYA an accounting system?

No. NAYA provides the operational ledger that feeds into your accounting system (like NetSuite or QuickBooks). While accounting systems record historical balances for financial reporting, NAYA records real-time granular transactions to power your product logic and customer balances.

How is NAYA different from banking-as-a-service (BaaS)?

NAYA sits above BaaS providers. It is the operations layer that unifies data from multiple BaaS partners, banks, and payment processors. If you switch BaaS providers or use multiple banks, NAYA ensures your ledger and reconciliation processes remain consistent.

Is NAYA available for self-service?

NAYA is currently in private beta and works closely with select enterprise partners. We are rolling out self-service access incrementally. You can request access to join the waitlist.

Does NAYA replace my database?

No. NAYA works alongside your application database. Your app handles user profiles and business logic, while NAYA handles the financial data integrity, double-entry recording, and reconciliation state.

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