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Payna

AI Licensing Agent for Regulated Industries

Y CombinatorWinter 2026ActiveB2BFinance and Accounting

What they do

Problem

Regulated companies struggle to manage complex, multi-jurisdiction licensing workflows and ongoing regulatory compliance using manual processes and costly external firms.

Solution

Payna provides an AI licensing agent that automates license filings, renewals, amendments, and regulator follow-ups across jurisdictions.

Who it's for

Compliance and legal teams at regulated financial services companies (e.g., lenders, debt collectors, money transmitters) that need to obtain and maintain licenses across jurisdictions.

Founders

Aaron Chen
Founder

Worked as a product engineer at an a16z backed DeFi startup helping scale crypto products, then went on to win ETHGlobal New York and ETHGlobal Delhi while earning recognition from Business Insider and the Ethereum Foundation. After building in crypto and seeing firsthand how painful manual licensing and compliance workflows are for regulated companies, now building Payna to automate regulatory licensing and ongoing compliance.

He Song
Founder

Founded and scaled a company at a $15M valuation as a freshman, then launched a token at $60M. Built a crypto lending product at Berkeley, spent months inside multi-state licensing workflows doing it manually. Now building Payna, automate regulatory licensing.

Open roles 1

Software Engineer - Full Time
San Francisco, CA, US · Full-time · $150K - $180K · 0.50%
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