← Embedded Finance Index 2026

Nayya

Can an agentic AI benefits adviser replace the fragmented, low-engagement experience of employer health and wealth benefits?

Founded2019
HQNew York, NY, USA
Total raised$105.8M+
Latest roundSeries C, 2022
IndustryVertical SaaS / HR & Benefits
The story

Founded 2019 as a benefits decision-support tool for open enrollment, Nayya expanded into year-round utilization guidance and automated claims filing. In 2025 it acquired financial-wellness company Northstar and pivoted to an agentic AI positioning ('SuperAgent') that unifies health and wealth benefits and can act on employees' behalf across Slack, Teams, and iMessage. The company monetizes via employers, brokers, carriers, and PEO/HCM partners rather than embedded finance.

Last 12 months
2025-09
2025-07
2025-02
Product timeline
2019
Founded to modernize benefits decision-support and enrollment.· launch
2021
Series A ($11M) led by Felicis; partnerships with Guardian, Unum, Selerix.· funding
2022
Series C ($55M) led by ICONIQ Growth; valuation doubles.· funding
2025
Launched Nayya Claims — automated supplemental health insurance claims filing.· product
2025
Acquired Northstar and launched agentic AI 'SuperAgent' for unified health and wealth benefits.· acquisition
Acquisitions
Northstar2025
Financial-wellness platform; folded into Nayya's unified health-and-wealth agentic AI benefits solution.
The stack
0 layers disclosed in Nayya’s embedded-finance stack
Accounting gap: none