‹ Compliance and regulatory specialist agents

Payna

AI Licensing Agent for Regulated Industries

payna.com

3.7Score#205 of 999 agents#5 of 25 in Compliance and regulatory specialist

Visit site Compare

Why it ranks #205

Payna, an AI compliance and regulatory specialist from YC W26, ranks #205 of 999 AI agents and #5 of 25 in Compliance and regulatory specialist, with a score of 3.7 of 10. Data as of 3 Oct 2026.

The score adds four parts, each 0 to 10, by weight. Every point comes from public evidence. How scoring works ·

Proof 6 × 30% 1.8
Scale 1 × 30% 0.3
Momentum 3 × 25% 0.8
Autonomy 6 × 15% 0.9
= 3.7

Proof
Do customers use it? 30% of the score
6
Claims revenue or growth and work done at scale.
- +4
  Revenue or growth
  “Signed six figures in annual contract, reflecting how painful licensing and compliance operations are for companies trying to launch in new states, operate securely, and protect revenue without hiring large compliance teams or relying on slow firms charging massive billable hours.”
  Launch YC post · 10 Mar 2026
- +2
  Work done at scale
  “We are live with companies in debt collection and lending operating on tens of millions of dollars each month, compliantly.”
  Launch YC post · 10 Mar 2026
Not found: named customers (+3), a customer result (+2), a customer count (+2)
Scale
Is there a real company behind it? 30% of the score
1
2 people.
- +1
  2 people on its YC page2 people
Not found: funding round in its news (+3)
Momentum
Is it shipping and growing now? 25% of the score
3
Shows hiring and a new batch.
- +2
  Hiring: 1 open roleSoftware Engineer - Full TimeYC page
- +1
  New: YC Winter 2026
Not found: launch YC post in the last 6 months (+3), new traction claim in the last 6 months (+2), funding news in the last year (+2)
Autonomy
How much of the job does it do on its own? 15% of the score
6
Supervised agent: takes actions in other systems; a person approves key steps.
- +6
  Level 2 of 4: Supervised agentTakes actions in other systems; a person approves key steps.
What the model read
- Acts in other systems: 84% likely
- Finishes whole tasks: 33% likely
- Calls itself an agent: 90% likely
Level 2: Takes actions in other systems; a person approves key steps.

About Payna

Payna is building the AI licensing agent for regulated companies. We automate the filings, renewals, amendments, and regulator follow ups required to get licensed and stay licensed across jurisdictions, so teams no longer have to manage compliance through spreadsheets, email threads, and expensive outside firms. Starting with financial services categories like lending, debt collection, and money transmission, Payna helps companies move faster, stay compliant, and scale without adding compliance headcount linearly.