What Arya.ai does

Arya.ai, operated by Lithasa Technologies Private Limited and headquartered in Mumbai, India, builds a vertical AI platform purpose-built for the banking, financial services and insurance (BFSI) sector. Founded in 2013, the company sells pre-trained deep-learning models as a library of 100+ AI APIs — covering KYC extraction, face verification and liveness, document fraud detection, deepfake detection, bank statement analysis, signature detection, invoice extraction, NER, speech-to-text and credit risk assessment — accessed through a self-serve API platform (api.arya.ai) that supports cloud, on-premise and hybrid deployment.

The platform is organized around four product pillars: Apex (the AI API library), Nexus (an API gateway for governance and compliance), Cred AI (a contextual credit underwriting engine powered by the internal Weave orchestration platform) and Infinity OS (an enterprise AI operating system for agentic workflows, announced for future release). AryaX (AI/ML observability) and Prism (generative AI workspace) extend the stack into monitoring and GenAI. The technology spans text, image, audio, structured-data and multimodal models, operates at a self-reported 95%+ average accuracy and 99% API success rate, and processes 300M+ API calls annually under a zero-data-storage policy with ISO/IEC 27001:2022 and GDPR compliance.

Revenue is generated through pay-as-you-go API consumption with prepaid closed wallets, supplemented by enterprise subscription contracts for larger deployments. Go-to-market combines a developer-led self-serve funnel with direct enterprise sales to banks, insurers, lenders and fintechs across India, Southeast Asia, the Middle East, Africa and the United States. In April 2024, Aurionpro Solutions Ltd. acquired a 67% controlling stake for $16.5 million, providing both growth capital and distribution into Aurionpro's bank-IT customer base, while the company continues to operate independently under the Arya.ai brand.

Name

Arya.ai

Legal name

Lithasa Technologies Private Limited

Website

https://arya.ai

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

51–100 employees

Short description

Arya.ai builds a vertical AI API platform for banks, insurers and lenders, offering 100+ pre-trained deep-learning models covering KYC, fraud detection, document processing and credit underwriting via the Apex API library and Cred AI.

Ownership category

akta.pro rank

Product category

AI-Powered BFSI Software

NAICS

Software Publishers (5132), Software Publishers (513210)

SIC

Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

AI Application Enablement Platforms (Copilot/Agent Frameworks, SDKs) (HDAEANAJ)

akta.pro secondary industries

Model Serving, Inference & Deployment Platforms (APIs, Edge/On-Prem) (HDAEANAC), AI Observability, Monitoring & Evaluation Platforms (Drift, Quality, Safety) (HDAEANAF), Responsible AI, Security & Privacy Platforms (Safety, Guardrails, PII) (HDAEANAG)

Keywords

• AI API platform
• Credit underwriting
• Fraud detection
• KYC automation
• Intelligent document processing

Headquarters

HQ city

Mumbai

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. API Consumption Fees: Pay-as-you-go pricing based on API usage. Customers maintain wallet balance for projected API consumption. Fees deducted immediately upon consumption with no refunds for unused time.
2. Enterprise Platform Subscriptions: Enterprise-grade AI solutions with dedicated support, compliance features, and higher usage limits. Subscription-based access to AI platform and APIs.
3. Closed Wallet Pre-payment: Customers prepay by recharging closed wallet on platform based on projected API consumption. Wallet balance used for ongoing API consumption with alerts at 25% balance threshold.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Arya.ai provides a production-grade AI API platform with 100+ pre-trained, finance-specific AI models for banking, insurance, and lending institutions. The offering includes low-code API integration for KYC automation, fraud detection, bank statement analysis, document processing, identity verification, and credit underwriting, supported by a secure API gateway (Nexus) and a contextual credit risk product (Cred AI). Deployment is available across cloud, on-premise, and hybrid environments with pay-as-you-go and enterprise subscription pricing.

Product overview

Arya.ai is an enterprise AI platform providing a unified portfolio of modular products and 100+ AI APIs designed specifically for banking, financial services, and insurance (BFSI) institutions. The core offering is Apex, an AI API Platform that serves as the central hub for accessing pre-trained, finance-specific AI models. Nexus provides the API gateway layer for security and governance. Cred AI extends capabilities for credit risk assessment with contextual transaction analysis. The platform is augmented by specialized solutions for AI Cashflow Forecasting, Intelligent Document Processing, AI Onboarding, and Audio Intelligence. Additional products include Infinity OS (enterprise AI operating system for agentic workflows - coming soon), Prism (generative AI workspace - coming soon), and AryaX (AI/ML observability). The architecture supports cloud, on-premise, and hybrid deployment with a low-code integration approach targeting financial institutions seeking to automate critical processes including KYC, underwriting, fraud detection, and claims processing.

Differentiator

Problem solved

Functional benefit

Brands

• Apex: AI-powered API platform providing plug-and-play AI APIs to automate workflows with 100+ AI APIs including document processing, identity verification, and fraud detection.
• Nexus
• Cred AI
• Infinity OS
• AryaX

Products and services

• Apex - AI API Platform A comprehensive AI API library providing 100+ plug-and-play AI APIs for financial services including document processing, identity verification, fraud detection, KYC extraction, bank statement analysis, and predictive analytics. Designed for low-code integration with pre-trained models and offered via cloud, on-premise, or hybrid deployment with pay-as-you-go pricing for banks, insurers, and lenders.
• Nexus - AI API Gateway Secure and scalable API gateway solution for managing, securing, and governing AI APIs with traffic management and compliance enforcement capabilities for enterprise API infrastructure.
• Cred AI Credit risk assessment platform providing contextual understanding of financial transactions for credit underwriting in both retail and corporate cases. Powered by the proprietary Weave orchestration platform and demonstrated to deliver a 300% productivity increase for a UK SMB-focused lender.
• AryaX - AI/ML Observability Platform AI/ML observability platform for monitoring, debugging, and optimizing deployed AI models and workflows.
• AI Cashflow Forecasting Predictive analytics solution for forecasting cash flow patterns and financial trends in banking and lending operations, using historical data to forecast trends, risks, and opportunities.
• Intelligent Document Processing End-to-end document automation including data extraction, classification, fraud detection, and digitization for financial institutions.
• AI Onboarding AI-driven customer onboarding solution with document verification, KYC checks, and identity validation for banks and financial services.
• Audio Intelligence Voice-based AI capabilities for processing and analyzing audio data in financial services workflows.

Quantifiable outcome

• 300% increase in underwriting productivity for UK SMB lender using Cred AI
• +5 more outcomes

Named customers15 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability13 records

Feature6 records

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Yodlee (Envestnet): Financial data aggregation and analytics platform providing bank statement and transaction data APIs to lenders and fintechs — comparable to Arya's Bank Statement Analyser and credit underwriting APIs.
• DataRobot: Enterprise AI/ML platform with strong financial services vertical coverage for predictive analytics, risk modeling, and fraud detection — overlaps with Arya's pre-trained model + API delivery approach for BFSI.
• Zest AI: AI-powered credit underwriting platform serving banks and lenders — competes head-to-head with Arya's Cred AI for AI-driven credit decisioning in lending workflows.
• Hyperscience: AI-driven document processing and intelligent automation platform serving financial services and insurance — directly comparable to Arya's Intelligent Document Processing and claims-automation use cases.
• Jumio: Identity verification and KYC/AML platform with AI-powered face match, liveness, and document authentication used by financial institutions — directly competes with Arya's identity verification API suite.
• Onfido: AI-based identity verification and KYC platform serving banks and fintechs with face verification, liveness, and document fraud detection — directly comparable to Arya's Face Verification, Liveness Detection, and Document Fraud APIs.
• H2O.ai: Enterprise AI platform providing pre-trained and customizable machine learning models heavily focused on financial services use cases including fraud, credit risk, and AML — directly comparable to Arya.ai's BFSI-focused AI model portfolio.

Broad incumbents

• Temenos: Established core banking software provider increasingly embedding AI/ML capabilities into its banking platform — overlapping with Arya's banking vertical and providing integrated alternatives to standalone AI APIs.
• Palantir Technologies: Large enterprise data and AI platform serving banks, insurers, and government clients with deep workflow integration — competes for the same enterprise BFSI AI budgets but as a much broader platform.
• Uipath: Enterprise automation and AI platform increasingly used in banking and insurance for document processing and claims automation — competes for similar workflow-automation budgets in BFSI.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/arya_ai1
• LinkedInlinkedin.com/company/arya-ai

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

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 Arya.ai