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The compliance operating system for financial licensing — applications, renewals, maintenance, and monitoring across 50 US states and 50+ countries.

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SEC. 1. SHORT TITLE.
SEC. 2. DEFINITIONS.
(a) IN GENERAL — In this Act:
(1) BLOCKCHAIN PROTOCOL
(2) DIGITAL ASSET
(3) MONEY TRANSMITTER
SEC. 3. REGISTRATION
SEC. 4. CONSUMER PROTECTIONS
ARTICLE 5. LICENSING
§ 2030. Application for license
§ 2031. Bond requirements
§ 2032. Net worth standards
§ 2033. Examination procedures
RULE 500. CYBERSECURITY
PART 200. VIRTUAL CURRENCY
28 U.S.C. § 1332
31 CFR § 1010.100
12 CFR PART 1024
BSA/AML PROGRAM
FinCEN FORM 107
MU1 COMPANY FILING
MU2 INDIVIDUAL FILING
NMLS ID: XXXXXXX
SURETY BOND: $XXX,XXX
NET WORTH: $XXX,XXX
ANNUAL REPORT DUE
EXAM PREPARATION
CALL REPORT Q4
POLICY ATTESTATION
BOARD RESOLUTION
E-SIGN ACT COMPLIANCE
REGULATION E
REGULATION Z
12 CFR § 1005
FCA AUTHORIZATION
MAS LICENCE (PS ACT)
FINTRAC REGISTRATION
CBUAE APPROVAL
EMI PASSPORTING
ARTICLE 5. LICENSING
§ 1001. Definitions
§ 1002. Scope of Act
§ 1003. Prohibited acts
§ 1004. Penalties
SCHEDULE A: FEES
SCHEDULE B: FORMS
EXHIBIT 1 — FINANCIALS
EXHIBIT 2 — POLICIES
STATE EXAM CHECKLIST
DEFICIENCY NOTICE
CORRECTIVE ACTION
ENFORCEMENT ORDER
SEC. 1. SHORT TITLE.
SEC. 2. DEFINITIONS.
(a) IN GENERAL — In this Act:
(1) BLOCKCHAIN PROTOCOL
(2) DIGITAL ASSET
(3) MONEY TRANSMITTER
SEC. 3. REGISTRATION
SEC. 4. CONSUMER PROTECTIONS
ARTICLE 5. LICENSING
§ 2030. Application for license
§ 2031. Bond requirements
§ 2032. Net worth standards
§ 2033. Examination procedures
RULE 500. CYBERSECURITY
PART 200. VIRTUAL CURRENCY
28 U.S.C. § 1332
31 CFR § 1010.100
12 CFR PART 1024
BSA/AML PROGRAM
FinCEN FORM 107
MU1 COMPANY FILING
MU2 INDIVIDUAL FILING
NMLS ID: XXXXXXX
SURETY BOND: $XXX,XXX
NET WORTH: $XXX,XXX
ANNUAL REPORT DUE
EXAM PREPARATION
CALL REPORT Q4
POLICY ATTESTATION
BOARD RESOLUTION
E-SIGN ACT COMPLIANCE
REGULATION E
REGULATION Z
12 CFR § 1005
FCA AUTHORIZATION
MAS LICENCE (PS ACT)
FINTRAC REGISTRATION
CBUAE APPROVAL
EMI PASSPORTING
ARTICLE 5. LICENSING
§ 1001. Definitions
§ 1002. Scope of Act
§ 1003. Prohibited acts
§ 1004. Penalties
SCHEDULE A: FEES
SCHEDULE B: FORMS
EXHIBIT 1 — FINANCIALS
EXHIBIT 2 — POLICIES
STATE EXAM CHECKLIST
DEFICIENCY NOTICE
CORRECTIVE ACTION
ENFORCEMENT ORDER
SEC. 1. SHORT TITLE.
SEC. 2. DEFINITIONS.
(a) IN GENERAL — In this Act:
(1) BLOCKCHAIN PROTOCOL
(2) DIGITAL ASSET
(3) MONEY TRANSMITTER
SEC. 3. REGISTRATION
SEC. 4. CONSUMER PROTECTIONS
ARTICLE 5. LICENSING
§ 2030. Application for license
§ 2031. Bond requirements
§ 2032. Net worth standards
§ 2033. Examination procedures
RULE 500. CYBERSECURITY
PART 200. VIRTUAL CURRENCY
28 U.S.C. § 1332
31 CFR § 1010.100
12 CFR PART 1024
BSA/AML PROGRAM
FinCEN FORM 107
MU1 COMPANY FILING
MU2 INDIVIDUAL FILING
NMLS ID: XXXXXXX
SURETY BOND: $XXX,XXX
NET WORTH: $XXX,XXX
ANNUAL REPORT DUE
EXAM PREPARATION
CALL REPORT Q4
POLICY ATTESTATION
BOARD RESOLUTION
E-SIGN ACT COMPLIANCE
REGULATION E
REGULATION Z
12 CFR § 1005
FCA AUTHORIZATION
MAS LICENCE (PS ACT)
FINTRAC REGISTRATION
CBUAE APPROVAL
EMI PASSPORTING
ARTICLE 5. LICENSING
§ 1001. Definitions
§ 1002. Scope of Act
§ 1003. Prohibited acts
§ 1004. Penalties
SCHEDULE A: FEES
SCHEDULE B: FORMS
EXHIBIT 1 — FINANCIALS
EXHIBIT 2 — POLICIES
STATE EXAM CHECKLIST
DEFICIENCY NOTICE
CORRECTIVE ACTION
ENFORCEMENT ORDER
SEC. 1. SHORT TITLE.
SEC. 2. DEFINITIONS.
(a) IN GENERAL — In this Act:
(1) BLOCKCHAIN PROTOCOL
(2) DIGITAL ASSET
(3) MONEY TRANSMITTER
SEC. 3. REGISTRATION
SEC. 4. CONSUMER PROTECTIONS
ARTICLE 5. LICENSING
§ 2030. Application for license
§ 2031. Bond requirements
§ 2032. Net worth standards
§ 2033. Examination procedures
RULE 500. CYBERSECURITY
PART 200. VIRTUAL CURRENCY
28 U.S.C. § 1332
31 CFR § 1010.100
12 CFR PART 1024
BSA/AML PROGRAM
FinCEN FORM 107
MU1 COMPANY FILING
MU2 INDIVIDUAL FILING
NMLS ID: XXXXXXX
SURETY BOND: $XXX,XXX
NET WORTH: $XXX,XXX
ANNUAL REPORT DUE
EXAM PREPARATION
CALL REPORT Q4
POLICY ATTESTATION
BOARD RESOLUTION
E-SIGN ACT COMPLIANCE
REGULATION E
REGULATION Z
12 CFR § 1005
FCA AUTHORIZATION
MAS LICENCE (PS ACT)
FINTRAC REGISTRATION
CBUAE APPROVAL
EMI PASSPORTING
ARTICLE 5. LICENSING
§ 1001. Definitions
§ 1002. Scope of Act
§ 1003. Prohibited acts
§ 1004. Penalties
SCHEDULE A: FEES
SCHEDULE B: FORMS
EXHIBIT 1 — FINANCIALS
EXHIBIT 2 — POLICIES
STATE EXAM CHECKLIST
DEFICIENCY NOTICE
CORRECTIVE ACTION
ENFORCEMENT ORDER
SEC. 1. SHORT TITLE.
SEC. 2. DEFINITIONS.
(a) IN GENERAL — In this Act:
(1) BLOCKCHAIN PROTOCOL
(2) DIGITAL ASSET
(3) MONEY TRANSMITTER
SEC. 3. REGISTRATION
SEC. 4. CONSUMER PROTECTIONS
ARTICLE 5. LICENSING
§ 2030. Application for license
§ 2031. Bond requirements
§ 2032. Net worth standards
§ 2033. Examination procedures
RULE 500. CYBERSECURITY
PART 200. VIRTUAL CURRENCY
28 U.S.C. § 1332
31 CFR § 1010.100
12 CFR PART 1024
BSA/AML PROGRAM
FinCEN FORM 107
MU1 COMPANY FILING
MU2 INDIVIDUAL FILING
NMLS ID: XXXXXXX
SURETY BOND: $XXX,XXX
NET WORTH: $XXX,XXX
ANNUAL REPORT DUE
EXAM PREPARATION
CALL REPORT Q4
POLICY ATTESTATION
BOARD RESOLUTION
E-SIGN ACT COMPLIANCE
REGULATION E
REGULATION Z
12 CFR § 1005
FCA AUTHORIZATION
MAS LICENCE (PS ACT)
FINTRAC REGISTRATION
CBUAE APPROVAL
EMI PASSPORTING
ARTICLE 5. LICENSING
§ 1001. Definitions
§ 1002. Scope of Act
§ 1003. Prohibited acts
§ 1004. Penalties
SCHEDULE A: FEES
SCHEDULE B: FORMS
EXHIBIT 1 — FINANCIALS
EXHIBIT 2 — POLICIES
STATE EXAM CHECKLIST
DEFICIENCY NOTICE
CORRECTIVE ACTION
ENFORCEMENT ORDER
SEC. 1. SHORT TITLE.
SEC. 2. DEFINITIONS.
(a) IN GENERAL — In this Act:
(1) BLOCKCHAIN PROTOCOL
(2) DIGITAL ASSET
(3) MONEY TRANSMITTER
SEC. 3. REGISTRATION
SEC. 4. CONSUMER PROTECTIONS
ARTICLE 5. LICENSING
§ 2030. Application for license
§ 2031. Bond requirements
§ 2032. Net worth standards
§ 2033. Examination procedures
RULE 500. CYBERSECURITY
PART 200. VIRTUAL CURRENCY
28 U.S.C. § 1332
31 CFR § 1010.100
12 CFR PART 1024
BSA/AML PROGRAM
FinCEN FORM 107
MU1 COMPANY FILING
MU2 INDIVIDUAL FILING
NMLS ID: XXXXXXX
SURETY BOND: $XXX,XXX
NET WORTH: $XXX,XXX
ANNUAL REPORT DUE
EXAM PREPARATION
CALL REPORT Q4
POLICY ATTESTATION
BOARD RESOLUTION
E-SIGN ACT COMPLIANCE
REGULATION E
REGULATION Z
12 CFR § 1005
FCA AUTHORIZATION
MAS LICENCE (PS ACT)
FINTRAC REGISTRATION
CBUAE APPROVAL
EMI PASSPORTING
ARTICLE 5. LICENSING
§ 1001. Definitions
§ 1002. Scope of Act
§ 1003. Prohibited acts
§ 1004. Penalties
SCHEDULE A: FEES
SCHEDULE B: FORMS
EXHIBIT 1 — FINANCIALS
EXHIBIT 2 — POLICIES
STATE EXAM CHECKLIST
DEFICIENCY NOTICE
CORRECTIVE ACTION
ENFORCEMENT ORDER
SEC. 1. SHORT TITLE.
SEC. 2. DEFINITIONS.
(a) IN GENERAL — In this Act:
(1) BLOCKCHAIN PROTOCOL
(2) DIGITAL ASSET
(3) MONEY TRANSMITTER
SEC. 3. REGISTRATION
SEC. 4. CONSUMER PROTECTIONS
ARTICLE 5. LICENSING
§ 2030. Application for license
§ 2031. Bond requirements
§ 2032. Net worth standards
§ 2033. Examination procedures
RULE 500. CYBERSECURITY
PART 200. VIRTUAL CURRENCY
28 U.S.C. § 1332
31 CFR § 1010.100
12 CFR PART 1024
BSA/AML PROGRAM
FinCEN FORM 107
MU1 COMPANY FILING
MU2 INDIVIDUAL FILING
NMLS ID: XXXXXXX
SURETY BOND: $XXX,XXX
NET WORTH: $XXX,XXX
ANNUAL REPORT DUE
EXAM PREPARATION
CALL REPORT Q4
POLICY ATTESTATION
BOARD RESOLUTION
E-SIGN ACT COMPLIANCE
REGULATION E
REGULATION Z
12 CFR § 1005
FCA AUTHORIZATION
MAS LICENCE (PS ACT)
FINTRAC REGISTRATION
CBUAE APPROVAL
EMI PASSPORTING
ARTICLE 5. LICENSING
§ 1001. Definitions
§ 1002. Scope of Act
§ 1003. Prohibited acts
§ 1004. Penalties
SCHEDULE A: FEES
SCHEDULE B: FORMS
EXHIBIT 1 — FINANCIALS
EXHIBIT 2 — POLICIES
STATE EXAM CHECKLIST
DEFICIENCY NOTICE
CORRECTIVE ACTION
ENFORCEMENT ORDER
SEC. 1. SHORT TITLE.
SEC. 2. DEFINITIONS.
(a) IN GENERAL — In this Act:
(1) BLOCKCHAIN PROTOCOL
(2) DIGITAL ASSET
(3) MONEY TRANSMITTER
SEC. 3. REGISTRATION
SEC. 4. CONSUMER PROTECTIONS
ARTICLE 5. LICENSING
§ 2030. Application for license
§ 2031. Bond requirements
§ 2032. Net worth standards
§ 2033. Examination procedures
RULE 500. CYBERSECURITY
PART 200. VIRTUAL CURRENCY
28 U.S.C. § 1332
31 CFR § 1010.100
12 CFR PART 1024
BSA/AML PROGRAM
FinCEN FORM 107
MU1 COMPANY FILING
MU2 INDIVIDUAL FILING
NMLS ID: XXXXXXX
SURETY BOND: $XXX,XXX
NET WORTH: $XXX,XXX
ANNUAL REPORT DUE
EXAM PREPARATION
CALL REPORT Q4
POLICY ATTESTATION
BOARD RESOLUTION
E-SIGN ACT COMPLIANCE
REGULATION E
REGULATION Z
12 CFR § 1005
FCA AUTHORIZATION
MAS LICENCE (PS ACT)
FINTRAC REGISTRATION
CBUAE APPROVAL
EMI PASSPORTING
ARTICLE 5. LICENSING
§ 1001. Definitions
§ 1002. Scope of Act
§ 1003. Prohibited acts
§ 1004. Penalties
SCHEDULE A: FEES
SCHEDULE B: FORMS
EXHIBIT 1 — FINANCIALS
EXHIBIT 2 — POLICIES
STATE EXAM CHECKLIST
DEFICIENCY NOTICE
CORRECTIVE ACTION
ENFORCEMENT ORDER
Payna
0

Reduction in licensing costs

0

Of your team's time reclaimed from licensing tasks

0

US & global fintech jurisdictions covered

> THE PROBLEM

You’re managing the most regulated part of your business with spreadsheets and prayer.

Renewal deadlines buried in spreadsheets no one updates. Regulatory changes you hear about from outside counsel — weeks late.

The month before every state exam spent in survival mode. Six figures a year to consultants for work that should be automated.

Your compliance team is sharp. They’re just doing manual work that a system should handle for them.

> WHAT PAYNA DOES

01

Knows every rule, in every state.

Payna tracks the full regulatory landscape — all 50 US state statutes, NMLS procedures, FinCEN requirements, and international licensing frameworks. When a state changes its surety bond threshold or exam criteria, you know the same day. Not weeks later from outside counsel.

02

Tells you when to start, not just when it's due.

A renewal due in 60 days isn't one task — it's a chain: updated financials, surety bond endorsement, board resolution, NMLS submission, state processing time. Payna calculates backward from every deadline and tells you your real start date. California takes 45 days to process. Texas takes 10. Payna knows.

03

Runs your exam before the examiner does.

State examiners follow structured playbooks. Payna scores your compliance posture against those playbooks continuously — every document, policy, training record, and filing. Your score is a real pass/fail probability, not a vanity metric. You see exactly what to fix, ranked by what examiners care about most.

04

Does the paperwork. You approve it.

Pre-fills renewal applications. Drafts BSA/AML policy updates. Generates call reports from your ledger data. Routes documents for e-signature. Files on completion. The 80% that's mechanical gets handled. You stay in the loop for everything that matters.

05

Keeps a perfect record of everything.

Every action is cryptographically timestamped. Payna builds a continuous compliance narrative — structured, queryable, audit-ready. When an examiner walks in, you hand them a perfect package in seconds. When your board asks "are we compliant?", the answer is a number, a trend, and a drill-down.

> WHERE PAYNA WORKS

50 US states. 50+ countries.

One system.

United States

Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming · District of Columbia

International

United Kingdom (FCA) · European Union (EMI/PI) · Singapore (MAS) · Canada (FINTRAC) · UAE (CBUAE) · Hong Kong (SFC) · Australia (ASIC) · Japan (FSA) · Switzerland (FINMA) · Brazil (BCB) · Mexico (CNBV) · Nigeria (CBN) · Kenya (CBK) · South Africa (SARB) · India (RBI) · Philippines (BSP) · Indonesia (OJK) · Thailand (BOT) · South Korea (FSC) · Lithuania (LB) · Ireland (CBI) · Netherlands (DNB) · Germany (BaFin) · France (ACPR) · And more...

> FOR FIRMS

Manage your entire client portfolio from one system.

If you’re a law firm, compliance consultancy, or outsourced CCO managing multiple fintech clients — Payna plugs directly into your practice. Track licensing, renewals, and compliance across every client engagement from a single dashboard.

We build bespoke. Tell us what you need.

Talk to Us →