Someone above you now demands proof.
You run finance at a licensed money operator. Your money sits across banks, chains, and processors. Every month, someone signs.
Reconciliation is the mechanism. Proof is the product. Trust is the consequence.
In the flow of records. Never the flow of funds.
Nothing changes in how money moves. Everything changes in what you can prove.
The Money Path
Commercial banks, card networks, blockchain rails, and custodial reserves. Capital moves directly across existing rails.
Non-Custodial Ingestion
NAYA connects only via read-only taps into bank feeds, core subledgers, processor webhooks, and on-chain blocks. NAYA never touches funds.
The Proof Engine
Deterministic multi-way matching, exception classification, and cryptographic proof export delivered directly to regulators and auditors.
Statutory and Network Mandates
Regulatory frameworks and card networks now require verifiable, third-party reconciliations on explicit statutory clocks.
GENIUS Act
The GENIUS Act (law) mandates monthly reserve reconciliation, published reserve reports, personal CEO and CFO certification, and monthly independent examinations.
FDIC Custodial Recordkeeping
The FDIC custodial recordkeeping proposal (proposed rule, Part 375, finalization pending) demands daily reconciliation of custodial program balances, annual validation, and annual certification.
Visa Core Rules
Visa Core Rules (network rule, April 2026) define Agentic Payment Provider duties: capture instruction and consent, verify identity, retain logs, produce on request, and confirm post-transaction.
The NAYA Proof Packs
The NAYA Proof Engine emits standardized, verifiable evidence packs tailored to your specific regulatory and audit context.
Attestation Proof
Reserve-to-liability reconciliation under the GENIUS Act for stablecoin issuers and custodians. Reconciles on-chain circulating supply against custodial bank holdings and treasury subledgers.
- Monthly reserve-to-liability reconciliation
- Executive sign-off verification trail
- Auditor-ready export formatting
Program Proof
Daily three-ledger reconciliation across program sub-ledgers, processor streams, and bank cores. Built for sponsor banks and fintech programs operating under FDIC Part 375 rules.
- Daily custodial program balance reconciliation
- Exception reason coding and triage
- Exam-readiness gap reporting
Agent Activity Proof
Cryptographic binding of user instruction, consent, token, and settlement under the Visa April 2026 Core Rules. Open to five design partners building agentic commerce.
- User instruction and consent logging
- Token and transaction verification
- Post-transaction confirmation records
5 slots
Deterministic matching across disparate multi-rail data sources and protocols.
Automating cross-ledger exception detection and resolving manual spreadsheet cycles.
Compressing close and verification timelines from weeks down to hours.
Request Your Proof Pack
Tell us about your multi-rail records architecture. We will configure an evaluation framework and walk through your reconciliation requirements.
Prefer a direct conversation? Schedule 30 minutes on Calendly