What FNA does

FNA is a London-headquartered financial technology company founded in 2013 that builds AI-powered network analytics and Digital Twin simulation infrastructure for the global financial system. The company serves central banks, financial regulators, payment systems and financial market infrastructures (FMIs), commercial banks, national security agencies, and national anti-scam utilities, with reported deployment at 30+ central banks and supervisors and 150+ institutions globally processing €358 trillion+ in payments. Its technology stack combines proprietary graph-based AI algorithms with real-time analytics to deliver capabilities including payment traceability, fraud detection, liquidity optimization, and systemic risk analysis across both traditional and decentralized finance.

The product portfolio comprises four core offerings: Fraud Portals (including the Money Trails engine that traces illicit flows across banks and mule accounts in under 10 seconds, plus National Fraud Portal deployments), Intelligent Liquidity Optimization (ILO) with modular Monitor, Simulate, and Optimize sub-modules, Supervisory Intelligence for continuous central bank oversight, and Counter Threat Finance for national security applications. The platform leverages patented Payment Threading technology and proprietary GraphAI algorithms, with a Digital Twin capability enabling simulation of national payment systems and stress testing of scenarios including major bank defaults, market corrections, and cyber attacks. AI modalities span anomaly detection, predictive analytics, optimization, autonomous agents, knowledge retrieval, and NLP.

FNA operates an enterprise SaaS model with multi-year subscription contracts and Master Services Agreements, targeting institutional buyers through direct field sales. The company holds ISO/IEC 27001 certification and ANAB-accredited third-party security audits, supporting deployment in highly regulated central bank and government environments. With 101-250 employees, FNA has secured grant funding from the Bill & Melinda Gates Foundation ($2.9M in November 2024) and recognition including the 2025 G20 TechSprint win for fraud mitigation, alongside multiple Central Banking and RegTech Association industry awards.

Name

FNA

Legal name

FNA

Website

https://fna.fi

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

101–250 employees

Short description

FNA is a London-based fintech that builds AI-powered network analytics and Digital Twin simulation software for central banks, payment systems, and financial institutions, processing over €358 trillion in payments across 150+ institutions globally.

Ownership category

akta.pro rank

Product category

Financial Technology / RegTech Software

NAICS

Software Publishers (5132)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)

Keywords

• Financial network analytics
• Fraud detection software
• Liquidity optimization
• Payment system analytics
• Central bank technology

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Enterprise Software Licensing: Subscription-based SaaS agreements and Master Services Agreements for enterprise clients including central banks and financial institutions. Revenue generated through recurring software licensing fees with multi-year contract terms typical for government and institutional procurement.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels7 records

Core offering

FNA builds enterprise-grade AI-powered software for central banks, financial market infrastructures, commercial banks, and national security agencies. Its platform combines graph-based network analytics, Digital Twin simulation, and real-time decision intelligence to address fraud detection, liquidity optimization, supervisory oversight, and counter-threat finance across both traditional and decentralized finance.

Product overview

FNA builds AI-Powered Infrastructure for Global Finance, offering enterprise-grade software that spans TradFi and DeFi with a shared, highly secure technology stack. The core product portfolio consists of four main products: (1) Fraud Portals for real-time fund tracing and anti-scam capabilities, (2) Intelligent Liquidity Optimization (ILO) for payment system liquidity management, (3) Supervisory Intelligence for central bank oversight, and (4) Counter Threat Finance for national security applications. The ILO product is delivered as a modular platform with three sub-modules (Monitor, Simulate, Optimize) addressing different aspects of intraday liquidity management. FNA's technology is deployed in highly sensitive, regulated environments serving Central Banks, Commercial Banks, Payment Systems and FMIs, and National Security organizations.

Differentiator

Problem solved

Functional benefit

Brands

• FNA Money Trails: High-speed analytics engine that traces illicit flows across multiple banks and mule accounts in under 10 seconds.
• National Fraud Portal (NFP)
• Supervisory Intelligence

Products and services

• Fraud Portals Real-time fund tracing and secure cross-institutional intelligence sharing platform that enables central banks, commercial banks, and law enforcement to detect and disrupt systemic scams by tracing illicit flows across banks and mule accounts in under 10 seconds.
• Intelligent Liquidity Optimization (ILO) Intelligent engine for optimizing real-time payment flows and reducing liquidity costs at GSIBs and FMIs, using patented GraphAI algorithms and the Bipartite Payment Reduction (BPR) algorithm to resequence payments and reduce liquidity buffers by over 30%.
• Supervisory Intelligence Supervisory technology platform that transforms static regulatory reporting for central banks by providing predictive risk analysis, real-time anomaly detection, dynamic stress testing, and AI-native supervision for continuous oversight of the financial system.
• Counter Threat Finance Network analytics platform for national security agencies that maps, targets, and disrupts illicit funding networks through advanced graph-based analysis and cross-agency intelligence sharing.
• National Fraud Portal National digital public infrastructure that unifies financial, telecom, and government sectors to securely fuse threat intelligence and intercept live scams at a national level, reducing investigation times by 75% and increasing fund freezing rates by 4x.
• rCBDC Simulator Agent-based modeling simulator that enables central banks and market participants to test and simulate the adoption of retail Central Bank Digital Currency (CBDC) and its impact on the broader payment ecosystem using heterogeneous interacting agents.
• Suptech Platform Enterprise-grade supervisory technology utility that ingests regulatory filings, transaction records, market data, and payment system flows to fuse them into a dynamic knowledge graph representing the financial system as a network for centralized regulatory oversight.

Quantifiable outcome

• €358 trillion+ in global payments processed through the platform
• +2 more outcomes

Named customers16 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability9 records

Feature4 records

Partnerships

13 partnerships are on record, tiered flagship and strategic.

• ProtoflagshipStrategic or Co-development Partner · 1 January 2025Partnership with Proto to develop and deploy the Anti-Scam Centre platform, which won the G20 TechSprint 2025 competition in the fraud mitigation category. The platform enables real-time scam detection and cross-institutional fraud intelligence sharing.
• Mojaloop FoundationstrategicStrategic or Co-development PartnerGlobal Partner Program member collaborating on open-source payment infrastructure and financial inclusion initiatives.
• CLSstrategicStrategic or Co-development PartnerPartnership focused on liquidity analysis for the FX settlement network, leveraging FNA's analytics capabilities for CLS's multi-currency settlement system.
• ADGM AcademystrategicStrategic or Co-development PartnerStrategic partnership with Abu Dhabi Global Market Academy for financial innovation training and UAE market development.
• PayNet / Bank Negara MalaysiaflagshipStrategic or Co-development PartnerNational Fraud Portal implementation in Malaysia, providing nationwide fraud prevention capabilities for the Malaysian payment ecosystem.
• Banco de la RepúblicastrategicStrategic or Co-development PartnerPartnership with Colombia's central bank for financial system analytics and national fraud prevention capabilities.
• BIS Innovation HubflagshipStrategic or Co-development PartnerCollaboration on multiple innovation projects exploring advanced analytics for central bank operations and financial system monitoring.
• Payments CanadastrategicStrategic or Co-development PartnerDigital Twin partnership for Canadian payment system analytics, providing simulation and optimization capabilities for payment infrastructure.
• Fnality InternationalstrategicStrategic or Co-development PartnerSimulation partnership for wholesale central bank digital currency and financial market infrastructure testing.
• UK FinancestrategicStrategic or Co-development PartnerCHAPS optimization project for UK payment systems, leveraging FNA analytics for real-time payment monitoring and efficiency improvements.
• Bank of EnglandflagshipStrategic or Co-development PartnerVarious projects with the Bank of England focusing on financial system stability, payment analytics, and regulatory technology.
• SBS Peru (Superintendencia de Banca, Seguros y AFPs)strategicStrategic or Co-development PartnerSocial media monitoring initiative for financial crime detection, providing Peruvian regulators with AI-powered fraud intelligence.
• UK Public Sector Fraud Authority (PSFA)flagshipStrategic or Co-development PartnerSNAP platform partnership providing the UK government with comprehensive fraud analytics and prevention capabilities across public sector agencies.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Quantexa: London-based decision intelligence platform using network analytics and entity resolution for AML, fraud, and KYC. Directly comparable to FNA's graph-based AI approach for financial crime and supervisory use cases at large financial institutions and regulators.
• Featurespace: UK-headquartered adaptive behavioral analytics for fraud and risk management, serving banks, payment processors, and fintechs. Overlaps with FNA's Fraud Portals and anomaly-detection capabilities for the financial services vertical.
• Feedzai: AI-native financial crime detection platform covering fraud, AML, and account opening for tier-one banks and payment networks. Competes with FNA on real-time fraud analytics and risk scoring in commercial banking.
• ThetaRay: AI-powered transaction monitoring and AML platform for cross-border payments, correspondent banking, and fintech. Comparable to FNA's anti-money-laundering and fraud analytics capabilities for financial institutions.
• Silent Eight: AI-driven name and transaction screening for AML, sanctions, and KYC at tier-one banks. A more focused direct peer to FNA's financial-crime detection product line, particularly for compliance and watchlist screening use cases.
• Napier AI: UK-based AML and financial-crime compliance platform with AI-enhanced transaction monitoring and customer screening. Closely comparable to FNA's fraud and AML analytics capabilities, especially for regulated institutional customers.
• Hawk AI: Munich-based AI-native AML and fraud surveillance platform serving banks and payment providers. An emerging peer with comparable transaction-monitoring and anomaly-detection capabilities to FNA's Fraud Portals.
• ComplyAdvantage (Mimiro): AI-driven AML, KYC, and transaction risk data platform serving banks, fintechs, and regulators. Overlaps with FNA's fraud, AML, and counter-threat-finance offerings, particularly in transaction-monitoring and risk intelligence.

Broad incumbents

• NICE Actimize: Established enterprise financial-crime, AML, and fraud platform serving global banks and regulators. A broader incumbent offering overlapping AML and fraud analytics as part of a wider compliance suite, competing with FNA at large financial institutions.
• BAE Systems Applied Intelligence: NetReveal-based financial crime, AML, and fraud detection suite serving global banks and governments. A large incumbent with overlapping capabilities to FNA's Supervisory Intelligence and Counter Threat Finance offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/fnalab
• Xx.com/fnalab

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds5 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FNA