Payman AI, Inc
Payman AI builds an orchestration layer that lets AI agents execute real banking transactions under bank-defined policies, serving U.S. community and regional banks (white-label deployment) and AI developers (API).
- Company typePrivate
- Founded2024
- HeadquartersDurango, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Payman AI, Inc does
Payman AI, Inc. is a Delaware-incorporated, venture-backed fintech infrastructure company founded in 2024 and headquartered in Durango, Colorado, that builds an orchestration layer enabling AI agents to execute real banking transactions — payments, transfers, account analysis — through natural language interfaces on a financial institution's existing rails. The platform comprises a core multi-agent architecture (Payman Platform), a white-label experience layer (Paygent Studio) for branded deployment, a bank control plane (Paygent Central) for monitoring and governance, an externalized Policy Engine that enforces transaction rules outside the AI model, segregated wallets with per-bank data isolation, and a developer-facing API product (Payman Agent) using the A2A protocol and MCP server. The company is SOC 2 certified, PCI compliant, and architected for KYC/BSA/AML; it integrates with major U.S. core banking systems (FIS, Fiserv, Jack Henry, COCC) and digital banking platforms (Narmi, Q2, Alkami, Candescent).
Payman monetizes through a tiered model: a free sandbox for developer testing, production transaction-based fees (per payment) collected via Stripe infrastructure, and custom annual enterprise subscriptions for white-label bank deployments. Its primary customers are community banks, regional banks, and credit unions (named deployments include Middlesex Federal Savings and Citizens State Bank), with a secondary horizontal segment of AI developers building applications that need to move money. The company has raised approximately $16.8 million across a $3M pre-seed (August 2024), an $800K extension (February 2025), and a $13.8M Series A (December 2024) from Visa, Coinbase Ventures, Circle, Alumni Ventures, Eden Block, and Freestyle Capital, and was selected for the ICBA ThinkTECH Accelerator 2026 cohort. One third-party source cites $770,000 in ARR, though this likely reflects an earlier period given the funding trajectory. Co-founders Tyllen Bicakcic (CEO, prior Meta/Uniswap/Novo) and Prashanth Pillareddy (CTO) lead the company alongside Chief Product Officer Akash Desai and Chief Revenue Officer Scott Geary.
Payman AI, Inc firmographics
Firmographics- Name
- Payman AI, Inc
- Legal name
- Payman AI, Inc.
- Website
- https://paymanai.com
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Payman AI builds an orchestration layer that lets AI agents execute real banking transactions under bank-defined policies, serving U.S. community and regional banks (white-label deployment) and AI developers (API).
- Ownership category
- akta.pro rank
Payman AI, Inc industry classification
Industry- Product category
- Agentic Banking Infrastructure Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
- akta.pro secondary industries
- Responsible AI, Security & Privacy Platforms (Safety, Guardrails, PII) (HDAEANAG), Audit, Explainability & Accountability Tooling (traceability, reporting) (HDAAAKAL), Marketplace & Platform Seller Payouts (FSAMAKAE), Responsible AI, AI Governance & Compliance Services (BPAEAHAJ)
Keywords
Where Payman AI, Inc is headquartered
LocationHeadquarters
- HQ city
- Durango
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Payman AI, Inc business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations
Revenue model
- Transaction Fees: Transaction-based fees collected on each payment processed through the platform. Production fees per payment. This is the primary revenue stream for AI-to-human payment infrastructure.
- API Access / Developer Fees: Fees for API access and usage. Developers pay for API calls and integration access to enable AI agents to execute financial transactions.
- Enterprise Plans: Custom enterprise plans for financial institutions deploying agentic banking solutions. White-label deployment with bank branding.
- Platform Fees: Payman Fee collected on each transaction conducted using the Services. Fee schedule published on website and subject to change.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Sandbox - Free tier for testing and development |
| Transaction based/ take rate | Pay-as-you-go | Production - Transaction-based pricing |
| Subscription | Annual | Enterprise - Custom plans for financial institutions |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Payman AI, Inc product offering
Product offeringCore offering
Payman AI provides an agentic banking infrastructure platform that enables AI agents to execute real banking transactions (payments, transfers, account analysis) on existing core banking rails. The platform includes a Policy Engine that validates every transaction against immutable rules, white-label deployment tooling (Paygent Studio), a command center (Paygent Central) for monitoring AI agents, and a developer-facing API (Payman Agent). It is sold to community banks, regional banks, credit unions, and AI developers needing to transact money programmatically.
Product overview
Payman AI offers an agentic banking infrastructure platform that enables AI agents to execute real banking transactions. The platform consists of multiple integrated products: the core Payman Platform provides the orchestration layer between AI and money movement; Paygent is the AI banking assistant enabling natural language transactions; Paygent Central serves as the command center for monitoring and controlling AI agents; Paygent Studio enables white-label deployment; and the Payman Agent provides a developer API for integrating payment operations into AI applications. The Policy Engine enforces transaction limits, approval thresholds, and recipient whitelists. The company also offers AI Banking Safety resources for understanding and mitigating security vulnerabilities.
Differentiator
Problem solved
Functional benefit
Brands
- Paygent: AI-powered banking agent that allows customers to execute banking tasks via natural language commands, including getting balances, paying bills, and transferring funds.
Products and services
- Payman Platform Agentic banking infrastructure platform that enables AI agents to execute real banking transactions including payments, transfers, and account analysis through voice or text on existing bank rails, with configurable policy controls and full audit trails.
- Paygent AI-powered banking assistant that allows bank customers to execute banking tasks via natural language commands, including checking balances, paying bills, and transferring funds. Converts plain English requests into secure financial operations with full audit trails and compliance controls.
- Paygent Central Command center for monitoring, managing, and controlling AI-powered banking agents. Provides banks full visibility over agentic operations, enabling real-time oversight of AI decision-making and transaction execution.
- Paygent Studio White-label deployment tool enabling banks to create branded AI banking experiences. Powers seamless experience across voice, mobile, web, and SMS channels under the bank's own brand and interface.
- Payman Agent AI agent product for developers providing a sophisticated and secure payment operations agent accessible via single API call. Enables AI applications to handle money movement with OAuth-based access controls and spending policies.
- Policy Engine Policy control system for setting transaction limits, approval thresholds, and recipient whitelists. Enforces hard-coded constraints on AI agent actions at the API level, validating every transaction before execution.
Quantifiable outcome
- 71% of consumers would welcome an AI assistant in their bank's mobile app
- +2 more outcomes
Companies that use Payman AI, Inc
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
Payman AI, Inc technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability7 records
Feature7 records
Payman AI, Inc partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered flagship, minor and core.
- Citizens State Bankflagship113-year-old community bank partnering to pioneer agentic banking across 7 branch locations in Western Colorado. AI agents work alongside branch staff handling operations, teller workflows, loan collection automation, and account servicing. Long-term vision for autonomous financial transactions within bank-defined guardrails.
- ICBA (Independent Community Bankers of America)flagshipSelected for ICBA ThinkTECH Accelerator Program (2026 cohort). Provides access to ICBA's network of community banks and innovation resources. Program targets priority areas including fraud mitigation, AI, data analytics, customer experiences, and payments. Launches at ICBA Center for Innovation in Atlanta.
- Middlesex Federal SavingsflagshipPartnership to develop Paygent AI banking agent enabling customers to execute banking transactions (checking balances, paying bills, transferring funds) through natural language commands. Bank's compliance team involved from design phase. AI agent named 'Davis' deployed in production. Partnership represents generational leap in banking technology for community banking.
- Fifth Third BankminorPartnered with Fifth Third Bank for custody services. Part of the platform's financial infrastructure supporting AI agent money management.
- StripecorePartnership for payment processing and account services. Stripe handles payment processing infrastructure and fund management. Payman integrates with Stripe Treasury for financial services including banking and payment processing.
- BitgetminorPartnership with Bitget crypto exchange for cross-border payment capabilities and agentic commerce use cases. Bitget highlighted as preferred partner in UK market with 1,300+ supported assets.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Payman AI, Inc competitors and assessment
Company assessmentDirect peers
- Modern Treasury: Modern Treasury provides payment operations infrastructure and APIs for moving money programmatically, similar to how Payman enables programmatic money movement. Both serve fintechs and financial institutions with developer-first payment infrastructure and emphasize bank integrations and compliance-grade controls.
- Increase: Increase offers embedded banking and payment infrastructure APIs for fintechs and developers, including high-yield accounts, ACH/wire processing, and bank-grade money movement. Payman competes in the same programmatic money-movement-for-AI-applications space with similar compliance and developer-first positioning.
- Kasisto: Kasisto provides conversational AI for banking via its KAI platform, enabling natural-language banking interactions. While Kasisto historically focused on Q&A rather than transactions, it serves the same community/regional bank segment and competes for the same conversational banking budget.
- Unit21: Unit21 provides AI-powered transaction monitoring and fraud/risk infrastructure for fintechs and banks, with policy controls and audit trails. Payman's Policy Engine and immutable audit trails serve a similar compliance-grade control function for AI-driven financial transactions.
Emerging players
- Sardine: Sardine applies AI to fraud, AML, and compliance for fintechs and banks. It overlaps with Payman on AI-driven risk controls and policy enforcement, though Sardine's primary lens is fraud prevention rather than transaction execution.
- Persona: Persona provides AI-powered identity verification and KYC/AML infrastructure. While Persona focuses on identity rather than transactions, it serves the same fintech and bank buyer with compliance-grade controls and is increasingly adding transaction risk capabilities.
Broad incumbents
- Stripe: Stripe is Payman's underlying payment processing and Treasury partner and also competes as a broad payments infrastructure incumbent. Stripe's Treasury, Connect, and Issuing products overlap with Payman's programmatic money-movement value proposition at a much larger scale.
- Plaid: Plaid is the dominant bank connectivity and account-data API provider, with established relationships at every major US bank. While Plaid focuses on read-only data connectivity and is now expanding into payments (Plaid Transfer), it overlaps with Payman's banking API distribution model and core-banking integration approach.
- Alkami Technology: Alkami is a leading digital banking platform for community banks and credit unions — one of Payman's named integration partners. Alkami's existing bank relationships and growing AI capabilities position it as both a distribution channel and a potential competitor for AI-banking experiences.
Others
- LangChain: LangChain provides the agentic AI orchestration framework widely used to build AI agents that call tools and APIs. Payman's MCP server and agentic banking architecture are built on similar LLM orchestration patterns; LangChain is an enabling infrastructure layer rather than a direct competitor in payments.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Payman AI, Inc social profiles
Digital presencePayman AI, Inc compliance and trust
Trust signalCompliance3 records
Payman AI, Inc financial estimates
Financial estimateRevenue estimate
Valuation estimate
Payman AI, Inc leadership team
Management profileNumber of profiles
Profiles4 records
Payman AI, Inc funding detail
Funding detailFunding overview
Funding rounds4 records
Investors15 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Payman AI, Inc M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Payman AI, Inc
What does Payman AI, Inc do?
Payman AI provides an agentic banking infrastructure platform that enables AI agents to execute real banking transactions (payments, transfers, account analysis) on existing core banking rails. The platform includes a Policy Engine that validates every transaction against immutable rules, white-label deployment tooling (Paygent Studio), a command center (Paygent Central) for monitoring AI agents, and a developer-facing API (Payman Agent). It is sold to community banks, regional banks, credit unions, and AI developers needing to transact money programmatically.
Is Payman AI, Inc a public or private company?
Payman AI, Inc is a private company. It is classified as venture growth investor backed and is currently operating.
When was Payman AI, Inc founded?
Payman AI, Inc was founded in 2024. It employs 11 to 50 people.
Where is Payman AI, Inc based?
Payman AI, Inc is headquartered in Durango, United States, in the North America region.
How does Payman AI, Inc make money?
Four revenue lines are on record. Transaction Fees are the primary driver. The others are API Access / Developer Fees, enterprise Plans and platform Fees.
Who are Payman AI, Inc's main competitors?
Direct peers on record are Modern Treasury, Increase, Kasisto and Unit21. Emerging players are Sardine and Persona. Broad incumbents are Stripe, Plaid and Alkami Technology. LangChain is listed as an others.
Does Payman AI, Inc have an API?
Yes. Payman provides an API that enables developers to configure and manage AI agents for payment processing and task management. Through the API, developers can create, modify, and control AI agents that facilitate payments to recipients. The company generates unique API keys through their platform for accessing API services. The API License Agreement governs usage, and fees are collected via Stripe's payment processing infrastructure according to the current fee schedule. Developer documentation is at paymanai.com.
What industry is Payman AI, Inc in?
Payman AI, Inc's product category is Agentic Banking Infrastructure Software. Its primary akta.pro industry code is FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets), with a secondary code of HDAEANAG, Responsible AI, Security & Privacy Platforms (Safety, Guardrails, PII). Its NAICS code is 52232 and its SIC code is 7372.