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PayJoy to acquire Finia AI's strategic assets

PRIVATEOct 12, 2026

Acquiring Company

PayJoy

Acquired Company

Finia AI

San FranciscoNew YorkInformation TechnologyArtificial IntelligenceMachine Learning

Description

PayJoy is set to acquire the strategic assets of Finia AI, enabling advancements in AI underwriting and financial product innovation. This acquisition aligns with PayJoy's mission to enhance its technological capabilities and improve financial services. The transaction will facilitate the integration of AI solutions into PayJoy's offerings.

Company Information

Company

PayJoy

Location

655 4TH STREET

San Francisco, California, United States

About

PayJoy is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and credit cards, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and provide safety acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 17 million customers as of 2025 while achieving solid profitability for sustainable growth.

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Frequently asked

Who acquired Finia AI?

Finia AI was acquired by PayJoy, based in San Francisco. The deal was reported on October 12, 2026. PayJoy is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. PayJoy is privately held and operates in Information Technology.

When did PayJoy acquire Finia AI?

PayJoy's acquisition of Finia AI was reported on October 12, 2026. PayJoy is set to acquire the strategic assets of Finia AI, enabling advancements in AI underwriting and financial product innovation. This acquisition aligns with PayJoy's mission to enhance its technological capabilities and improve financial services. Fundz records the date the transaction was first publicly reported, sourced from filings and company announcements.

What does Finia AI do?

Finia AI specializes in artificial intelligence solutions for underwriting and financial products. The company aims to leverage AI to improve decision-making processes in finance. It is privately held, operating in Artificial Intelligence, and is based in New York.

This company was part of an acquisition. Fundz tracks who bought whom, and who to call on both sides.

145 of these a day, filtered to the companies you pick, with the decision-maker attached.

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Fundz is a real-time business intelligence platform powered by agentic AI that proactively delivers personalized daily signals, including funding rounds, executive changes, M&A activity, 13F institutional filings, SEC 8-K events, investor activity, and website modifications, based on each user's watchlist and ICP. A trusted data source at firms such as BlackRock, Oracle, Kleiner Perkins, LinkedIn, HubSpot, and Cloudflare, Fundz democratizes the institutional-grade intelligence that previously required a PitchBook or Bloomberg terminal. Features include FundzWatch™ for automated website change detection, Daily Briefing for AI-powered daily briefings, and unified cross-signal alerts across 281,000+ organizations. Developers and data teams can access these signals programmatically via the Fundz Funding Data API, with transparent published pricing.