Y CombinatorFrom the first license
to the hundredth.
One system for every application, renewal, and seat. Payna runs licensing and compliance for regulated companies and the people they license, in every US state and beyond.
THE PLATFORM
Four products. One system of record for everything a regulator can ask about.
Apply
New state license applications for regulated companies: mortgage, insurance entities, lending, debt collection, and money transmitter. From first filing to approval.
Explore Apply →[2] · License individualsSeats
Per-person licensing, managed at roster scale. MLOs on NMLS: MU4 filings, sponsorships, CE, the renewal window. Adjusters and producers on NIPR: multi-state licensing and deployment readiness.
Explore Seats →[3] · Stay licensedMaintain
Ongoing compliance for every license a company holds: renewals, amendments, call reports, exam preparation, and regulatory change monitoring.
Explore Maintain →[4] · Build on license dataAPI
Real-time, programmatic access to license status, sponsorship state, CE completion, and regulatory actions. Wire licensure into existing systems.
Explore API →THE PROBLEM
The most regulated part of the business, managed with spreadsheets and prayer.
Renewal deadlines buried in spreadsheets no one updates. Regulatory changes that surface from outside counsel, weeks late.
The month before every state exam spent in survival mode. A roster of licensed people tracked by hand, one missed renewal away from unlicensed activity.
Compliance teams are sharp. They’re just doing manual work that a system should handle for them.
WHAT PAYNA DOES
Does the paperwork. The team approves it.
Pre-fills applications and renewals. Drafts BSA/AML policy updates. Generates call reports from ledger data. Routes documents for e-signature. Files on completion. The 80% that is mechanical gets handled. The team stays in the loop for everything that matters.
Knows every rule, in every state.
All 50 US state statutes, NMLS and NIPR procedures, and FinCEN requirements, monitored continuously. When a state changes a bond threshold or a CE requirement, the change surfaces the same day.
Keeps a perfect record of everything.
Every action is timestamped into a structured, queryable, audit-ready history. When an examiner walks in, the package assembles in seconds.
WHERE PAYNA WORKS
50 US states. Companies and their people.
One system.
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
Mortgage · Insurance · Lending · Collections · Fintech · Crypto · Money Transmitter · MLOs · Insurance Adjusters · Insurance Producers
SECURITY
We are audited, too.
Payna holds the filings, credentials, and documents a regulator asks about. It would be an odd business that asked you to prove your compliance without proving its own. SOC 2 Type I is independently audited, and Type II is underway.
NOTES
Licensing, as it actually works.
BOOK A DEMO
See how Payna runs licensing.
Tell us a little about the company and we’ll walk through how Payna handles licensing and compliance in every US state.