NAYA OS

Build financial services like software.

NAYA is the runtime + workspace where teams compose financial primitives - data, ledger, reconciliation, and controls - into deployable workflows. Alfred is your copilot for monitoring, reconciling, and debugging financial workflows in production.

Start with the runtime. Earn the right to provision later.

Intelligence

FUTURE

Autonomous agents that monitor, fix, and optimize operations.

Provisioning

FUTURE

API to spin up isolated financial environments.

Blueprints

COMING SOON

Pre-wired workflows for Lending, Marketplaces, and Neobanks.

Workspaces

LIVE

Shared environment for Ops + Devs collaboration.

Primitives

LIVE

The runtime layer: Data Hub, Ledger, Reconciliation.

The Fragmentation Trap

Today, financial engineering is 90% integration plumbing. You're stitching together legacy banks, modern PSPs, and internal ERPs with brittle scripts. Data is siloed, reconciliation is manual, and every new provider adds exponential complexity to your "spaghetti code" infrastructure.

Integration Hell

Every integration requires custom maintenance. One API change breaks your entire ledger.

Velocity Tax

Engineers waste valuable cycles debugging reconciliation scripts instead of shipping product.

Legacy Bank
PSP
ERP
Spreadsheets
Internal API
Cross-border
RECONCILIATION FAILURE

Why we start with primitives

You can't provision financial services on top of inconsistent data. A real build surface requires a deterministic runtime: normalized data, ledger integrity, reconciliation you can audit and trust, and auditable controls. NAYA ships that foundation first - so everything higher-level can be composed, reused, and deployed safely.

Where We Are Now

We have built the foundational primitives that every fintech needs. These are not just tools; they are the bedrock upon which the rest of the platform is being constructed.

Multi-entity operational ledger (double-entry invariants)
Real-time reconciliation across banks, processors, and internal systems
Unified ingestion from processors, banks, ERPs into a single normalized model
SOC 2 Type II controls + evidence trails
Alfred: AI copilot for investigation, monitoring, and operational workflows

Build on the runtime.

If you're shipping financial products - or maintaining the systems behind them - NAYA is the foundation that makes speed and financial correctness compatible.