Y CombinatorCHARTER
Get licensed.
New license applications for companies and entities. A state application is a project: it takes weeks to months, and every state wants something slightly different. Charter runs the whole program, from scoping to approval.
Request a DemoWHAT CHARTER COVERS
Every entity license a regulated company files for.
Money Transmitter
State MTLs with their surety bonds, net worth requirements, and control person filings. The license map behind payments, wallets, and crypto on/off-ramps.
Lending
Consumer and commercial lending licenses, state by state. Which states require one depends on the product; Payna maps it before filing.
Mortgage Company
Entity licenses for lenders, brokers, and servicers through NMLS, including the MU1 company filing and branch registrations.
Debt Collection
Collection agency licenses, including the city-level regimes some states layer on top. Bonds and branch licenses handled alongside.
Insurance Entity
Agency and adjuster-firm entity licenses so the company is licensed everywhere its people work.
Crypto / VASP
Virtual currency regimes where they exist, from the New York BitLicense to money transmission applied to digital assets.
HOW IT WORKS
Run as one program, not fifty separate projects.
States process in parallel when the work is sequenced properly. Payna keeps every application moving at once, so the expansion timeline is set by the slowest state, not by the sum of all of them.
Scope
Which licenses, which states, in what order. Payna maps the requirements state by state: bonds, net worth, control persons, fingerprints, business plans, financials. The whole program is visible before the first filing.
Prepare
One document collection, reused everywhere. Corporate records, financial statements, policies, and personal disclosures are gathered once and adapted to each state’s format instead of being rebuilt fifty times.
File
Applications are drafted and submitted through NMLS and state portals. Nothing is filed until the team reviews and approves it.
Respond
States come back with deficiency notices and follow-up requests. Payna tracks every item to resolution and keeps the application moving until the license is in hand.
AFTER APPROVAL
The day a license is granted, the compliance clock starts.
Renewals, reports, exams, and rule changes begin the moment approval lands. Every license Charter wins is handed directly to Maintain, so nothing falls in the gap between getting licensed and staying licensed.
Tell us where the company needs to be licensed.
Bring the states and the business model. We will walk through the license map, the sequencing, and what Payna handles at each step.
Request a DemoBOOK 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.