GrailPay, a provider of bank-account risk and data infrastructure for B2B payments, has raised $10.5 million in Series A funding led by MissionOG, with participation from EJF Ventures, Counterpart Ventures, Construct Capital, Commerce Ventures, and SSC Venture Partners. The company will use the funding to expand its Payments Identity Network, which it describes as a trust layer for evaluating bank-account risk in emerging payment models such as agentic payments, instant settlement, and stablecoin-based transactions. GrailPay’s platform combines proprietary first-party payment processing data with multiple third-party data sources to generate auditable risk profiles for bank accounts and associated identities, helping businesses assess payment risk more effectively.
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The company says its network covers more than 99% of U.S. bank accounts and supports billions of dollars in annualized ACH origination volume. “$80T. That’s the size of the B2B payments economy that will go unaddressed by the flurry of innovation we’re seeing in agentic protocols. We’ve been building foundational infrastructure for the coming wave of B2B payments innovation. Our Payments Identity Network covers over 99% of US bank accounts, providing auditable identity profiles for trust and authentication to usher in the future of agentic payments and instant settlement,” said Will Messina, Co-founder & CEO of GrailPay. The new capital will fund data analytics, risk modeling, and go-to-market expansion across banking, fintech infrastructure, payment processors, and embedded finance platforms.
