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For Agentic Payments and Instant Settlement

GrailPay's Risk Intelligence Platform protects faster, irreversible payments with preemptive screening of user identity and intent, establishing an auditable, compliant system for fighting payment risk at scale.

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Tailored Risk Models
Multi-Factor Payer Checks
Instant Onboarding
Real-time Account Validation
Open Banking Account Links
Increased Data Coverage
Unified Underwriting
Fast ACH Settlement
Flexible Payout Routing
Real-time Account Validation
Open Banking Account Links
Increased Data Coverage
Unified Underwriting
Fast ACH Settlement
Flexible Payout Routing
Tailored Risk Models
Multi-Factor Payer Checks
Instant Onboarding
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Fight Payment Risk

Real-time validation on account and routing numbers with 99% US bank account coverage
Open banking for real-time insights into bank account financial health
Run credit, identity, and fraud checks to preemptively assess bank accounts on both sides of a payment
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Safely Accelerate Payments

Same-day and instant settlement available via API
Underwriting and instant merchant onboarding
Flexible payouts, transaction fees, and settlement timing

Bank payments are missing a real-time authorization layer


GrailPay's Risk Intelligence Platform is the trust layer for agentic payments, instant settlements, and stablecoins in B2B commerce.

It runs on the Payments Identity Network, a proprietary data foundation covering over 99% of US bank accounts, and turns it into tailored risk decisioning on the accounts and identities behind every payment.
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Built on first-party payments data, the platform grows more predictive with every transaction.

Validate every bank account in real time

Account Intelligence assesses a bank account's ability to make a payment, with real-time validation before you allow a transaction. Open Banking adds live oversight of linked accounts — owner identity, balance, and transaction checks — for a customer-centric payment experience.

Explore Account Intelligence

We believe in partnership, so funds can flow faster. Unlike legacy one-size-fits-all solutions, we collaborate closely with fintechs, payment processors, financial institutions, and software companies embedding payments on tailored solutions. Robust setup guides and white-glove support make it easy to embed our tools for faster, safer payments.

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Score every payment in real time with risk scores tailored to your tolerance and program strategy

Transaction Intelligence delivers a real-time, situationally aware risk score on each payment, assessing the counterparty across fraud, identity, and credit. Where the score supports it, Guaranteed ACH underwrites settlement with dynamic indemnification — a guarantee you can build into your product and monetize.

Explore Transaction Intelligence

The trust layer for payments data & risk

Review Documentation

Enabling secure, reliable, efficient bank payments for B2B commerce in the new era of agentic payments, instant settlement, and stablecoins.

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Risk Intelligence Platform

Real-time account validation
Credit, fraud, and identity checks for holistic risk mitigation
Open banking for real-time oversight of connected accounts
Transaction Intelligence for Guaranteed ACH
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Money Movement

Standard and Fast ACH, and Instant
Customizable transaction metadata
Flexible payout routing logic and settlement timing
Bring your own KYB for a unified underwriting process

GrailPay's Risk Intelligence Platform is the authorization layer for de-risked, faster payments.