What it sells
AI Licensing Agent for Regulated Industries
Business model breakdown
Buyer: who owns the budget?
UnverifiedCompliance lead or general counsel at licensed lenders, insurers, collectors and money transmitters.
Trigger: what makes them buy now?
UnverifiedApproaching state exams, renewal windows, new-state expansion, or fear of a lapsed license found during an exam.
Workflow: what inputs become what output?
Payna pre-fills applications and renewals, drafts BSA/AML policy updates and call reports from ledger data, tracks renewals and sponsorships; a person on the compliance team approves before anything is filed.
Economics: what it saves and how it charges
UnverifiedB2B software subscription across four products (Apply, Seats, Maintain, API); pricing not published, likely per license or per seat.
Distribution: how it reaches customers
Demo-led ('Book a demo'); also API and docs for developers; sells by industry (mortgage, insurance, lending, collections, fintech, crypto).
Funding history and coverage
| Round date | Stage | Amount | Investors | Source |
|---|---|---|---|---|
| — | Y Combinator Winter 2026 | — | Y Combinator | ycombinator.com |
Profiles summarize public reporting and company websites. Business-model notes are MaxBC's reading of that material, not confirmed facts; unknowns are left blank rather than guessed. Updated 2026-10-12.