卖什么
AI Licensing Agent for Regulated Industries
商业模式拆解
买家：谁掌握预算？
未核实Compliance lead or general counsel at licensed lenders, insurers, collectors and money transmitters.
触发点：什么让他们现在购买？
未核实Approaching state exams, renewal windows, new-state expansion, or fear of a lapsed license found during an exam.
工作流：什么输入变成什么输出？
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.
经济账：省了什么，怎么收费？
未核实B2B software subscription across four products (Apply, Seats, Maintain, API); pricing not published, likely per license or per seat.
渠道：怎么接触到客户？
Demo-led ('Book a demo'); also API and docs for developers; sells by industry (mortgage, insurance, lending, collections, fintech, crypto).
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2026 冬季 | — | Y Combinator | ycombinator.com |
档案汇总自公开报道和公司官网。商业模式部分是 MaxBC 对这些材料的解读，不是已确认的事实；未知之处留空，不作猜测。 更新于 2026-10-12.