SIGNAL

Licensure, as an endpoint.

Signal is the license status API. It gives systems real-time answers to the question the business asks constantly: is this person, or this entity, licensed to do this work, here, today? Status, sponsorship, CE completion, and regulatory actions, over HTTPS.

Talk to Engineering

THE SHAPE OF IT

One call answers the licensure question.

Every person and entity Payna manages is queryable. Responses carry the current status as Payna tracks it against the registries, so the systems that depend on licensure never work from a stale spreadsheet export.

# Illustrative request. Book a demo for full API documentation.
 
GET /v1/people/1234567/licenses HTTP/1.1
Host: api.payna.com
Authorization: Bearer <api_key>
 
HTTP/1.1 200 OK
Content-Type: application/json
 
{
  "person": { "registry": "nmls", "registry_id": "1234567" },
  "licenses": [
    {
      "state": "CA",
      "type": "mortgage_loan_originator",
      "status": "active",
      "sponsorship": { "sponsor": "Acme Home Loans", "status": "active" },
      "ce": { "required_hours": 8, "completed_hours": 8 },
      "renewal_window": { "opens": "2026-11-01", "closes": "2026-12-31" }
    }
  ],
  "regulatory_actions": []
}

INTEGRATION USE CASES

Put licensure checks where the work happens.

Gate loan applications

The LOS checks an MLO’s license and sponsorship in the subject state before an application can be started. Unlicensed origination becomes structurally impossible.

Assign claims safely

The claims platform verifies an adjuster is licensed in the loss state before assignment, and filters the CAT deployment roster to people who can legally work the event.

Feed internal systems

Pull license status into a data warehouse, compliance dashboards, or partner due diligence packages, and surface regulatory actions the day they appear.

Build on license data.

Tell us what the systems need to know and when. We will walk through the API surface, auth, and integration patterns with the engineering team.

Talk to Engineering

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.