Payna

Payna is a compliance operating system for financial licensing that automates applications, renewals, maintenance, and monitoring across all 50 US states and jurisdictions. It tracks state statutes, NMLS procedures, and FinCEN requirements in real time, calculates filing deadlines backward from due dates, scores compliance posture against state examiner playbooks, automates document pre-fill and e-signature, and maintains a timestamped, queryable audit trail for examinations. Payna serves regulated financial sectors including money transmission, lending, mortgage, cryptocurrency/VASP, debt collection, loan origination, and insurance. It is a Y Combinator (W26) company; no public developer API is currently published.

Payna is profiled on the APIs.io network. Tagged areas include Company, Compliance, RegTech, Financial Services, and Licensing.

Payna’s developer surface includes support and 4 more developer resources.

🌐 Visit website 📡 Source on GitHub
14.6/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
CompanyComplianceRegTechFinancial ServicesLicensingMoney TransmissionLendingInsurance

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 14.6/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.9 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/payna: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Payna Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 1

The organization behind the API

Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
aid: payna
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/payna.png
name: Payna
description: Payna is a compliance operating system for financial licensing that automates applications, renewals, maintenance,
  and monitoring across all 50 US states and jurisdictions. It tracks state statutes, NMLS procedures, and FinCEN requirements
  in real time, calculates filing deadlines backward from due dates, scores compliance posture against state examiner playbooks,
  automates document pre-fill and e-signature, and maintains a timestamped, queryable audit trail for examinations. Payna
  serves regulated financial sectors including money transmission, lending, mortgage, cryptocurrency/VASP, debt collection,
  loan origination, and insurance. It is a Y Combinator (W26) company; no public developer API is currently published.
url: https://raw.githubusercontent.com/api-evangelist/payna/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- y-combinator
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Compliance
- RegTech
- Financial Services
- Licensing
- Money Transmission
- Lending
- Insurance
apis: []
common:
- type: DomainSecurity
  url: security/payna-domain-security.yml
- type: Website
  url: https://payna.com/
- type: TermsOfService
  url: https://payna.com/terms-of-service
- type: PrivacyPolicy
  url: https://payna.com/privacy-policy
- type: Support
  url: mailto:hello@payna.com
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-20'
  status: minimal
  artifacts_added: 1
  pass: local-v1