NAYA is an AI-powered financial infrastructure platform built specifically for modern fintechs, marketplaces, and lenders. It centralizes your financial events, automates reconciliation, and gives your team an AI assistant to run financial operations in real time, without legacy ERP baggage.
Modern fintechs move money fast, but their financial operations are often stuck in the past.
As products scale, teams end up stitching together payment processors, banking partners, internal databases, spreadsheets, and accounting tools. Every new product, region, or partner multiplies the complexity: more ledgers to maintain, more reconciliation to run, more edge cases to handle. Finance, ops, and engineering teams spend huge amounts of time answering basic questions like "Where is this payment?" or "Is this customer fully settled?" instead of building new features.
NAYA exists to fix this. It provides an AI-powered financial infrastructure layer that sits at the heart of your business, connecting your product, payment rails, and accounting stack. With NAYA, fintechs, marketplaces, and lenders get a real-time operational ledger, automated reconciliation, and an AI assistant that understands your financial data, so you can scale confidently without scaling financial chaos.
NAYA is an AI-powered financial infrastructure and operations platform designed for companies that move and manage money at scale. It serves as an intelligent layer between your payment providers, banking partners, internal systems, and general ledger, turning fragmented transaction data into a clean, real-time operational view of your business.
At its heart, NAYA finance technology is built to ingest massive volumes of messy, heterogeneous financial data, normalize it, reconcile it, and maintain a granular operational ledger that becomes the financial brain of your company.
NAYA's mission is simple:
Make financial operations radically more accurate, automated, and intelligent for modern fintechs.
Where traditional tools are built for quarterly closes and static reporting, NAYA is built for real-time, event-driven products, instant payouts, multi-party marketplaces, embedded lending, and complex financial workflows. It's not an ERP and it's not a general-purpose accounting system; it's the financial infrastructure layer that sits between your product and your general ledger, ensuring every financial event is captured, reconciled, and controlled.
NAYA's vision is a world where any financial product, no matter how complex, can be launched and scaled without reinventing ledgers, reconciliation logic, or control frameworks from scratch. Finance teams move from "human-in-the-loop" (doing the work) to "human-on-the-loop" (supervising AI agents that do the work).
The NAYA financial platform delivers three core outcomes:
NAYA is built for companies where money movement is core to the product:
If your business runs on complex money movement and you've outgrown spreadsheets and manual workflows, NAYA is designed for you. For a high-level overview of the platform, visit /platform.
The NAYA financial platform is not a single tool, but a suite of tightly integrated components that together form a comprehensive financial infrastructure stack:
Each is powerful on its own, but the real value comes from how they work together.
The Operational Ledger is the heart of NAYA. It's a fintech-native ledger built to model the real-world flows of your business, not just accounting abstractions.
Unlike a traditional general ledger, the operational ledger is:
You can define the financial objects that matter to your business, wallets, loans, merchant accounts, escrow balances, and NAYA tracks their lifecycle from creation to settlement. This makes it possible to answer questions like:
The operational ledger doesn't replace your ERP; it sits upstream, handling high-volume, granular events and then syncing clean, summarized entries into your accounting system. For a deeper dive into how the ledger works, see /platform/operational-ledger.
Reconciliation is where most financial operations break down. Data lives in different systems, payment processors, banks, internal services, accounting, and rarely lines up perfectly. Teams spend hours every day trying to match records and chase down breaks.
NAYA's Reconciliation Engine automates this process end to end:
The result is faster closes, fewer surprises, and a clear understanding of where every dollar is in your system. Learn more at /platform/reconciliation.
Alfred is NAYA's AI assistant for financial operations, and where NAYA AI really comes to life. It sits on top of your operational ledger, reconciled data, and controls, giving you a conversational interface to your financial world.
Alfred can:
Crucially, Alfred is not just a chat interface on top of raw data. It's powered by NAYA's multi-agent AI architecture, which means it understands the semantics of your financial events and can reason about them, not just retrieve rows from a database.
Explore Alfred in more detail at /platform/alfred.
Financial data is only as useful as it is accessible and consistent. Most fintechs struggle with fragmented data scattered across internal services, third-party APIs, and spreadsheets.
NAYA's Data Hub centralizes and normalizes this information:
By turning disparate data into a coherent, real-time financial dataset, NAYA becomes the single source of truth for your financial operations.
As you scale, controls and compliance become non-negotiable. Auditors, regulators, and banking partners expect clear processes, documentation, and evidence of control.
NAYA includes Controls & Compliance capabilities baked into the platform:
This reduces the operational risk of manual workarounds and gives your stakeholders confidence that your financial operations are robust and well-controlled.
To see how all these components come together, visit the full platform overview at /platform.
There are many tools in the "finance tech stack" today, ERPs, accounting systems, payment orchestration tools, and workflow platforms. NAYA is different in several key ways.
Most "AI-powered" tools in finance simply bolt a single large language model onto existing systems. That's not enough for high-stakes financial operations.
NAYA uses a multi-agent AI architecture:
This architecture makes NAYA more reliable, auditable, and adaptable than tools that rely on a single model. It also means NAYA can continuously learn from your data and operations patterns, improving over time while staying within defined boundaries.
Traditional financial systems are batch-oriented. Data is processed in nightly jobs, and reconciliation happens days or weeks after the fact. That doesn't work for real-time fintech products.
NAYA is event-driven:
For modern fintechs, this isn't a nice-to-have; it's essential. Customers expect instant insights and reliable balances, and regulators expect tight control over funds flows. Event-driven architecture is how NAYA delivers both.
NAYA is built from the ground up for fintechs, marketplaces, and lenders, not retrofitted from generic enterprise software.
This shows up in several ways:
Because NAYA speaks the same language as your product and engineering teams, implementation is faster and less brittle than forcing a legacy system to fit your use case.
Many financial tools carry decades of assumptions from on-premise, batch-based, accounting-centric software. NAYA doesn't.
This lack of legacy baggage lets NAYA move faster, ship features that actually match how fintechs operate today, and avoid the complexity and cost that come with retrofitting old systems.
NAYA is used by companies that move significant volumes of money and need tight control over their financial operations. Here are three common profiles.
Marketplaces and platforms often manage complex multi-party money flows:
Without a robust operational ledger and reconciliation engine, this quickly turns into a web of spreadsheets, custom scripts, and manual checks.
With NAYA:
The result is fewer payout errors, faster investigations, and better trust with your sellers.
Lenders, whether consumer, SMB, or BNPL, need to track loans across their entire lifecycle:
NAYA's operational ledger and data hub give lenders a real-time view of their portfolios:
This supports better risk management, more accurate financial reporting, and faster responses to portfolio changes.
Many fintechs start with a simple stack: a payment processor, a database, and an accounting system. As they grow, they add:
At a certain point, the existing stack can't keep up. Finance and ops teams are overwhelmed, and engineering spends more time on internal tooling than on customer-facing features.
NAYA helps these fintechs:
This lets them scale transaction volume and product complexity without linearly scaling headcount in finance and operations.
No. NAYA is not an ERP and it's not a replacement for your general ledger. It's a financial infrastructure and operations platform that sits between your product systems and your accounting/ERP. NAYA focuses on real-time financial events, reconciliation, and operational control, then feeds clean, structured data into your accounting stack.
NAYA integrates via APIs, webhooks, and data connectors:
You don't need to rip and replace your existing systems; NAYA connects them and makes them work together more intelligently.
NAYA is used by growth-stage and enterprise fintechs, marketplaces, and lenders that:
If you're starting to feel the pain of manual reconciliation, fragmented data, and increasing operational risk, you're likely at the right stage for NAYA.
Modern Treasury focuses primarily on payment operations and bank integrations, initiating and tracking payments. NAYA focuses on financial operations and intelligence across your entire stack:
Many teams think of NAYA as the financial operations brain that complements their payment and banking infrastructure.
The best way to get started is to see NAYA in action with your use case. You can request a demo and speak with the team about your specific financial operations challenges at /request-demo.
Implementations typically start with a focused problem, like reconciliation for a specific product line, and expand as NAYA becomes your central financial infrastructure layer.
If you're exploring "naya ai", "naya finance", "naya fintech", or searching "what is NAYA" to understand how an AI-powered financial platform can transform your operations, the next step is simple: visit /platform for more details, then head to /request-demo to see how NAYA can work for your business.
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