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.
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The four products, in the order fintech buys them.
Charter. Get licensed.
Most fintech roadmaps hit a licensing wall: money transmission, lending, or both. Charter 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.
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.
Roster. License individuals.
If the model sponsors loan originators or places insurance products, Roster manages those individual licenses beside the entity ones, per person, on the same system.
Signal. Build on license data.
Gate features by state coverage, prove licensure to bank partners programmatically, and feed license status into internal dashboards with Signal, the license status API.
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.
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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.