Treasury Prime Alternative

Treasury Prime provides the banking connection. NAYA ensures the financial data flowing through that connection is accurate, reconciled, and audit-ready.

These are complementary layers of fintech infrastructure. Understanding where one ends and the other begins determines whether you need one, both, or a different approach entirely.

What Treasury Prime Does Well

Treasury Prime is a Banking-as-a-Service (BaaS) platform that connects fintechs to bank partners. It provides APIs for account opening, card issuance, ACH transfers, wire payments, and compliance — the banking primitives that fintechs need to offer financial products.

Treasury Prime sits between your application and partner banks, handling the regulatory complexity of holding deposits, issuing cards, and moving money through the banking system. Their customers embed banking into products without needing their own bank charter.

Where Treasury Prime Stops and Reconciliation Begins

Treasury Prime moves money and manages bank relationships. What it does not do is reconcile the financial data that results from those movements against your internal records, payment processor data, and other sources of truth.

Once transactions flow through Treasury Prime into your system, you face the same reconciliation challenge every fintech faces: matching what your application recorded against what the bank settled, what the processor charged, and what your ledger shows. This is the gap NAYA fills.

NAYA ingests data from Treasury Prime alongside every other financial data source in your stack — payment processors, internal databases, bank feeds — and reconciles them into a single, verified view of your financial state.

NAYA vs Treasury Prime: Feature Comparison

Core function — Treasury Prime: Banking-as-a-Service (account opening, card issuance, money movement) | NAYA: Reconciliation automation, operational ledger, and financial data integrity.

Bank connectivity — Treasury Prime: Direct bank partner integrations for BaaS | NAYA: Bank feed ingestion for reconciliation against internal records.

Ledger — Treasury Prime: Bank-level transaction records | NAYA: Operational ledger that tracks business intent alongside bank settlement reality.

Reconciliation — Treasury Prime: Not a reconciliation tool | NAYA: Multi-source AI-powered matching with deterministic and probabilistic algorithms.

Compliance — Treasury Prime: Banking compliance (KYC, BSA/AML) | NAYA: Financial operations compliance (SOC 2 audit trails, reconciliation evidence).

Target user — Treasury Prime: Fintechs embedding banking into their product | NAYA: Fintechs needing operational accuracy across all financial data sources.

When You Need Both

Most fintechs using Treasury Prime also need reconciliation infrastructure. Treasury Prime handles the banking layer — accounts, cards, and money movement. NAYA handles the operational accuracy layer — ensuring every transaction that flows through Treasury Prime (and every other system) is matched, verified, and audit-ready.

The combination is particularly powerful for embedded finance companies processing high transaction volumes, where the gap between what Treasury Prime reports and what actually settled in your bank accounts can grow into material discrepancies without automated reconciliation.

When NAYA Is the Right Choice Instead

If your primary challenge is reconciliation — matching transactions across payment processors, bank accounts, and internal systems — then NAYA addresses that directly. Treasury Prime solves a different problem (banking connectivity) and does not replace reconciliation infrastructure.

If you already have banking infrastructure in place (your own bank partnerships, another BaaS provider, or direct bank APIs) and need to reconcile the data flowing through those connections, NAYA is the tool purpose-built for that problem.

Getting Started

Whether you use Treasury Prime, another BaaS provider, or direct bank integrations, NAYA connects to your financial data sources and automates the reconciliation that keeps your operations accurate. Explore how NAYA's reconciliation engine handles the complexity your banking infrastructure creates.