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.