# Payna

**Canonical:** https://apis.io/providers/payna/  
**Website:** https://payna.com/  
**APIs profiled:** 0

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.

## Kin Score — 9.3 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 9.3).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 4.8 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Insurance**: 21.2 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Payna Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Compliance, RegTech, Financial-Services, Licensing, Money Transmission, Lending, Insurance

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/payna/). Scores are computed from the provider's own public artifacts under a published rubric.