New York, NY, September 22, 2026 — Narmi, a digital banking, account opening, and instant payments platform for banks and credit unions, today announced a partnership with GrailPay, a risk and data network for bank payments. Through this partnership, Narmi is bringing a real-time payment check into its platform, powered entirely by GrailPay's risk technology. The result gives Narmi's bank and credit union customers a clear read on whether a linked account is safe before a transaction happens.
Why this matters now
Payments used to take a few days to clear, which gave banks time to catch problems before money actually moved. That's changing fast. Same-day ACH, RTP, and FedNow now move money in seconds, and the fraud and risk tools most banks rely on haven't kept pace. Banks and credit unions are being asked to move faster without a reliable way to know they're moving money safely.
How the partnership works
GrailPay's technology closes this gap. When a customer opens an account, links an external bank account, or funds a new account through Narmi's platform, GrailPay checks in real time whether that account is real, active, and belongs to the person using it, before the bank accepts the money. The bank or credit union keeps full control over its own approval process. The experience their customers already use through Narmi doesn't change.
"Community financial institutions shouldn't have to choose between moving fast and moving safely,” said Chris Griffin, Co-Founder of Narmi. “We chose to partner with GrailPay because they've built best-in-class technology that allows us to continue delivering innovative financial solutions for our customers.”
"Every bank and credit union trying to move money faster is making a bet that they can do it without moving blind," said Will Messina, CEO of GrailPay. "This partnership means Narmi's customers get that safety check built into the platform they're already running on, powered by the network we've built to answer exactly that question."
About GrailPay
GrailPay is a risk and data network for bank payments. It checks every bank account, scores every transaction, and guarantees qualified payments, so banks, fintechs, and payment processors get a real-time answer on who they're paying and whether a payment will clear. Eligible payments settle in seconds instead of days. GrailPay already makes real-time decisions on billions in payment volume, running on a network that covers more than 99% of US bank accounts. Learn more at grailpay.com
About Narmi
New York City-based Narmi's digital platform empowers financial institutions to unlock the latest capabilities in digital banking and account opening, enabling them to move faster, tap new growth opportunities, and achieve true digital transformation. The Narmi platform was built with the customer experience in mind, empowering financial institutions with an experience that is always effortless, current, and dependable. As a result, Narmi's customers are seeing as much as 3x account growth in less than 30 days and 4x deposit growth in as little as 90 days. Additionally, Narmi's financial institution clients are winning awards like Bankrate's Best Online Bank and Nerdwallet's Best Bank for Online Experience. For more information, please visit narmi.com.
