Understand bank account risk in real time
GrailPay is embedded into Narmi, matching the name on a linked bank account to the person opening it or moving money, cutting down payment failures and fraud losses, while letting banks and credit unions move money faster with more confidence.
Book a demoThe verification gap is growing as payments get faster
Today's tools can confirm an account exists, but not who it actually belongs to or whether a payment should go through. That's exactly where payment failures and fraud losses live. It's always been a gap, but same-day ACH, RTP, and FedNow are making it worse every year, banks are being asked to move money faster while their risk tooling hasn't kept pace.
Powers digital banking, account opening, and instant payments for banks and credit unions.
Together
Narmi uses GrailPay's Account Intelligence to match every linked account to the person behind it, built directly into account opening and money movement.
Provides the risk and data network for bank payments, validating accounts and assessing payment risk in real time.
How it works
A client links an account, funds a new account, or initiates a transfer inside Narmi.
Narmi sends the relevant account details to GrailPay in the background.
GrailPay matches the account to its owner, checking name, ownership, and identity risk, then returns a confidence score.
Your institution applies its own thresholds to approve, review, or decline.
What GrailPay unlocks for Narmi customers
Stops stolen bank accounts before they cost you.
Catch one being used to open a new account or add a payee, before the money moves.
Faster, lower-friction onboarding.
Reduce reliance on micro-deposits, long holds, and manual review.
Ongoing risk visibility, not just day one.
Extend the same rigor you use at account opening to every account link and transaction after it.
Fewer ACH returns and failed transactions.
Flag risky accounts and payment inputs before money moves.
Verification at every point money moves
Account opening and initial funding
When someone opens a new account and funds it from an outside account
External account linking
When a customer adds another bank account, at signup or later, for transfers
ACH transfer risk decisioning
Scoring a transfer before it's initiated
Instant payments and faster funds availability
Supporting the risk check needed to safely offer faster money movement
Fraud and risk operations
Fewer exceptions routed to manual review
“With GrailPay embedded in Narmi, our real-time risk engine is stronger where it matters most: the platform our clients use every day. We have greatly enhanced our ability to validate linked accounts and our transaction risk data after onboarding.”
Luther Liang
SVP, Head of Product, Grasshopper Bank
Frequently asked questions
What does this partnership actually do for a bank or credit union using Narmi?
It matches the name on a linked bank account against the person opening it or moving money, something Narmi's platform did not previously offer on its own. That cuts down payment failures and fraud losses, and lets institutions move money faster.
Is this Narmi's technology or GrailPay's?
The risk check is built entirely on GrailPay's technology. Narmi is integrating it directly into its own platform so its bank and credit union customers can use it without adding a separate tool.
How is this different from existing account verification tools?
Most tools confirm an account exists. This checks whether a specific payment is safe to let through, in real time, before the money moves.
Does this replace or work alongside a bank's existing fraud and compliance systems?
It works alongside them. The bank or credit union keeps full control over its own approval process and thresholds.
Does GrailPay make the approve or decline decision, or does the bank still control that?
The bank or credit union always makes the final call. GrailPay provides the real-time risk information they use to make it.
What changes for Narmi's existing customers, in the product they already use?
Nothing about the day-to-day experience changes. The risk check runs in the background as part of the platform they already use.
How fast does the check happen, and does it slow down account opening or funding?
It happens at the moment an account is opened, linked, or funded, without adding delay to the process.
What types of payments does this cover?
Same-day ACH, RTP, wires, and FedNow are all covered, since these are the payment rails moving money fastest and where the risk gap is widest.
What is GrailPay, and how is it different from Narmi?
Narmi is a digital banking and payments platform that banks and credit unions use to run their operations. GrailPay is the risk and data network powering the real-time safety check inside that platform. They are separate companies, with GrailPay providing the technology behind this specific capability.