NAYA Overview: The Proof Layer for Regulated Money Movement
Reconciliation is the mechanism, proof is the product, trust is the consequence, and regulation made all three mandatory.
The Three Pillars: Mechanism, Product, and Consequence
At NAYA, reconciliation is not an administrative chore; it is the core mechanism of financial integrity. Proof is the product we emit: verifiable mathematical certainty that internal ledgers match external banking truth. Trust is the consequence: unshakeable confidence among partner banks, auditors, regulators, and customers.
The NAYA Proof Engine & Proof Pack Portfolio
The NAYA Proof Engine powers three distinct market offers: the Attestation Pack (shipping now: daily reserve verification and regulatory attestation), the Program Pack (in validation: sponsor-bank oversight and partner compliance), and the Agent Pack (designed, in market test: autonomous agent payment verification).
Why Regulated Money Movement Demands a Proof Layer
With increasing regulatory scrutiny from the GENIUS Act and FDIC Part 375, non-bank fintechs and sponsor banks must operate with continuous verification. NAYA delivers up to 99% match accuracy and reduces reconciliation turnaround from 14 days to 4 hours in pilots, setting the standard for regulated financial operations.
Frequently Asked Questions
Common questions about this topic
QWhat does NAYA do?
NAYA is the proof layer for regulated money movement. It automates financial reconciliation, provides a programmable ledger, and normalizes transaction data from disparate payment processors, replacing manual spreadsheet matching with deterministic, auditable infrastructure.
QWho is NAYA built for?
NAYA is built for mid-market fintechs, marketplaces, and companies with embedded financial services. It serves finance operations teams drowning in manual reconciliation and engineering teams building financial infrastructure in-house. Key decision-makers include VP Finance, Head of Ops, CTO, and Head of Engineering.
QHow is NAYA different from traditional reconciliation software?
Traditional financial tooling operates in periodic batch cycles on static CSV exports. NAYA ingests real-time events via webhooks and APIs, normalizes data automatically, and applies hybrid deterministic and AI-powered matching to deliver continuous operational accuracy and verified proof.
QWhat payment processors does NAYA integrate with?
NAYA integrates with major payment processors and financial platforms including Stripe, PayPal, Adyen, Braintree, Square, Checkout.com, Chargebee, Plaid, QuickBooks, Xero, and NetSuite. The normalization layer standardizes data from all sources into a common format for unified reconciliation.
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