Payna
Payna is a YC Winter 2026 (W26) company. Based in San Francisco, CA, USA. Team of 2.
About Payna
Summary
Payna builds an AI licensing agent for regulated financial services companies, covering mortgage, lending, debt collection, and money transmission. It handles state license applications, renewals, amendments, individual seat licensing, and regulator follow-ups across all 50 US states. The product replaces the spreadsheets, email chains, and outside counsel that compliance teams currently use to track and file licensing obligations.
Business model
A platform with distinct products: Apply, Seats, Maintain, and an API, sold to regulated companies managing multi-state licensing.
Go-to-market
Regulated financial services companies, including mortgage entities, lenders, debt collectors, and money transmitters, adopt the platform through a demo-led sales motion.
From the Y Combinator listing
AI Licensing Agent for Regulated Industries
Payna is building the AI licensing agent for regulated companies. We automate the filings, renewals, amendments, and regulator follow ups required to get licensed and stay licensed across jurisdictions, so teams no longer have to manage compliance through spreadsheets, email threads, and expensive outside firms. Starting with financial services categories like lending, debt collection, and money transmission, Payna helps companies move faster, stay compliant, and scale without adding compliance headcount linearly.
Facts
- B2B / B2B -> Finance and Accounting
- San Francisco, CA, USA
- 2
- Active
- Early
Founders (2)
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