Y CombinatorFINTECH
Licensing for fintech.
Payments, cards, wallets, lending rails. If a product touches regulated money flows, there is a license map for it, and it is different in every state. Payna runs the whole map.
Book a demoPAYNA FOR FINTECH
How fintech teams use Payna.
Apply. Get licensed.
Most fintech roadmaps hit a licensing wall: lending, money transmission, or both. Apply scopes which states require which licenses for a given product, prepares one document set, and files everywhere coverage is needed, sequenced so states process in parallel.
Explore Apply →Seats. License individuals.
If the model sponsors loan originators or places insurance products, Seats manages those individual licenses beside the entity ones, per person, on the same system.
Explore Seats →Maintain. Stay licensed.
Once licensed, the clock starts: renewals, call reports, exam cycles, and state rules that change underneath. Maintain runs the recurring work so compliance teams supervise the system instead of feeding it.
Explore Maintain →API. Build on license data.
Gate features by state coverage, prove licensure to bank partners programmatically, and feed license status into internal dashboards with the Payna API.
Explore API →THE MOMENT
Every fintech roadmap hits the wall.
- [1]
Features ship weekly
Cards, wallets, payouts, credit. The roadmap moves at product speed until one feature touches regulated money flows.
- [2]
The wall
Suddenly the launch date is a licensing date: which states, which licenses, how long. The roadmap is waiting on regulators.
- [3]
Through, not around
Payna scopes the map, files states in parallel, and gives the roadmap a licensing timeline it can actually plan against.
Show us the product roadmap.
We will map the licenses needed for the next three states, and show what running them on Payna looks like.
Book 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.