NAYA is a FinOps platform for fintech companies, focused on reconciliation, bookkeeping, and compliance. Its core proposition is: reconciliation is the mechanism, proof is the product. Banks, payment processors, and general ledger systems often disagree on where funds went; NAYA compares them side by side, automates reconciliation, and proves which party's records are correct.
In terms of use cases, NAYA mainly solves reconciliation challenges in fintech operations: month-end close stretched to 14 days due to fragmented bank portals; bank statements (MT940/BAI2) not matching payment processor settlement batches; sponsoring banks requiring daily reconciliation of escrow items under strict audit standards; loan ledgers diverging from core credit facilities and borrower repayment records. NAYA starts from fragmented channels and outputs reconciled proof.
Main capabilities include: multi-source orchestration, able to connect to any payment processor, ERP, or data source and automatically reconcile, with official mentions of Stripe, Amazon Payments, multiple banks, and ERPs; real-time transaction accuracy across all accounts, with automatic matching and confidence scoring, officially claimed AI matching accuracy of up to 99.9%; deterministic matching runs line by line against contractual rate tables and value dates, automatically detecting and classifying unmatched records; the intelligent break investigation tool Alfred, after deterministic matching, analyzes remaining discrepancies (such as FX slippage, interchange fee deductions, cut-off times), provides plain-language explanations, and cites original line items; mathematical verification is based on source records, emphasizing no fuzzy guessing and no probabilistic balances; non-custodial and read-only, NAYA verifies the flow of funds but does not touch funds, so proof is independent of the flow of funds; can generate tamper-proof proof packages that regulators, auditors, and sponsoring banks can trace line by line back to original source data streams for verification.
Usage follows a fixed 30-day delivery cadence: Week 1 multi-source onboarding, connecting bank statement data streams, payment gateway settlement files, and internal general ledgers, and normalizing all records into a comparable form; Week 2 deterministic matching, line-by-line comparison based on contractual rate tables and value dates, automatically detecting and classifying unmatched records; Week 3 exception triage and investigation, where Alfred provides root-cause explanations with source citations for discrepancies that deterministic matching cannot close; Week 4 operational close and delivery of the proof package, completing period close based on verified figures, obtaining a signed proof package that auditors and sponsoring banks can independently verify, then transitioning to regular monthly operations.
Applicable scenarios include: bookkeeping and data reconciliation for stored-value wallets and peer-to-peer payments; fintech architecture and concept research, with official provision of a fintech glossary and preconfigured infrastructure patterns; for audited executive teams, used for controllers,risk, and compliance roles. Officially, controllers can close in days rather than weeks, stop manual Excel matching, automate audit evidence, see cash positions 5 days earlier, scale transaction volume without adding headcount, and certify filings based on verified proof; risk and compliance roles can satisfy sponsoring bank oversight and regulatory audits, obtaining tamper-proof transaction lineage, a non-custodial read-only design, and on-demand reviewable evidence.
On deployment and compliance, the platform is SOC 2 Type II certified, non-custodial architecture, a Google Cloud partner; non-custodial and read-only, deployable in the user's region or a dedicated VPC, supporting data residency in the United States, the UAE, and Saudi Arabia (on-soil data residency). Officially, it also provides dedicated infrastructure by specific business model, listing directions such as marketplace infrastructure and lending operations, and offers preconfigured infrastructure pattern blueprints available for browsing.
Regarding pricing, specific charging methods, free trials, the full list of supported payment processors and banks, specific number of integrations, SLAs, and technical details such as Alfred's underlying model, official materials are not yet available.
