payment-risk
(2)
GrailPay
GrailPay is a New York-based fintech building the risk and intelligence layer for bank payments. Its API-driven platform scores transactions, verifies bank accounts and identities, and moves money via ACH and instant rails - helping fintechs, processors, lenders and software companies reduce failed payments and fraud. Founded in 2021 by Will Messina and Lee Jones, the company positions itself as a trust layer for B2B commerce as instant settlement, stablecoins and agentic payments reshape how money moves.
Will Messina
Will Messina is the co-founder and CEO of GrailPay, a New York-based fintech building the risk and intelligence layer for bank payments. He started the company as a broke college kid at Boston College who wanted people to pay straight from their bank accounts, then pivoted from a consumer idea into the unglamorous plumbing of ACH: fraud detection, account verification, and settlement certainty. In June 2026 GrailPay raised a $10.5M Series A led by MissionOG to scale its Payments Identity Network, which covers over 99% of US bank accounts and aims to become the trust layer for instant and agentic B2B payments.