GrailPay

GrailPay is building the authorization and data layer for bank-to-bank payments, aiming to make ACH and instant-rail transfers safer, faster, and more efficient. The company builds data-intensive, highly technical risk and data tools plus payment processing capacity to combat the billions of dollars in waste and fraud that occur annually across the ACH network's tens of trillions of dollars in payments. GrailPay pairs AI-native, machine-learning-enhanced tooling with deep ACH processing and fraud-reduction expertise, working alongside established names in bank payment risk.