Six stages from raw feed to signed proof
Every record that enters NAYA passes through the same pipeline, in the same order, with the result of each stage written down and verifiable.
- 01
Ingest
Pull bank statement feeds, gateway settlement files, core exports, ERP ledgers, and loan tapes on their own schedules.
- 02
Normalize
Resolve formats, currencies, value dates, and identifiers into one comparable record shape.
- 03
Match
Run deterministic line-by-line matching against contracted fee schedules and amortisation logic.
- 04
Explain
Alfred investigates the remaining breaks and returns root causes with citations to the raw source lines.
- 05
Log
Write every match, break, and human decision to a tamper-evident, append-only record.
- 06
Emit
Produce signed proof packs your auditors, regulators, and sponsor bank can verify independently.
Five ingestion pillars
Reconciliation is only as good as the feeds behind it. The Data Hub reads all five classes of financial record, then normalizes them so the same matching rules hold across every source.
Bank Cores
FIS, Fiserv, Jack Henry
Direct core banking records for custodial and program account balances.
Bank Statement Feeds
BAI2, MT940, CAMT.053
Parsed statement formats across correspondent and regional banking partners.
Payment Gateways
Stripe, Adyen
Settlement batches, payout files, interchange, and processor fee detail.
ERP General Ledgers
NetSuite, SAP
Journal entries and subledger balances as the accounting side of truth.
Loan Tapes
Origination and servicing systems
Loan-level records, facility draws, and borrower repayment legs.
Six composable primitives
Each primitive is designed to solve a specific problem in financial operations. Use them independently or combine them for complete solutions.
Data Hub
Ingestion and normalization across five classes of financial feed: bank cores, statement feeds, payment gateways, ERP ledgers, and loan tapes.
- Bank cores (FIS, Fiserv, Jack Henry)
- Statement feeds (BAI2, MT940, CAMT.053)
- Gateways, ERP ledgers, and loan tapes
Operational Ledger
Immutable, auditable ledger for all financial transactions and events.
- Double-entry accounting
- Audit trails
- Event sourcing
Reconciliation
Automated matching and exception handling for financial data reconciliation.
- Smart matching
- Exception workflows
- Variance analysis
Controls
Policy enforcement and compliance controls for financial operations.
- Rule engine
- Approval workflows
- Compliance checks
Alfred
AI-powered assistant for financial operations and data analysis.
- Natural language queries
- Anomaly detection
- Intelligent insights
Studio
Visual configuration environment for designing financial schemas and integrations.
- Schema designer
- Workflow configuration
- API orchestration
Built for modern financial applications
Whether you're building a payment processor, fintech app, or enterprise financial system, NAYA's primitives provide the foundation you need.