Payna

Paena is building the next generation of earned wage access for people living paycheck to paycheck. Today, workers are charged triple digit APRs just to access money they have already earned. We believe that is broken.

We use stablecoins and modern financial infrastructure to deliver instant cash advances with dramatically lower fees, faster settlement, and better default outcomes than incumbents like EarnIn and Dave. Our goal is to connect deep on chain liquidity to real off chain workers in a way that is compliant, humane, and scalable.

Paena sits at the intersection of fintech and crypto infrastructure. We are building systems that bridge traditional banking rails with on chain liquidity while abstracting all crypto complexity away from end users.

On the on chain side, we design and deploy smart contracts that manage pooled liquidity, repayment flows, and risk constraints using modern EVM tooling. This includes custom vault logic inspired by ERC 4626, rigorous testing, and security first design.

On the off chain side, we build backend systems that handle identity, payroll data, repayments, and user state, as well as consumer facing web and mobile applications. Our stack includes TypeScript, React, Node, modern databases, and cloud infrastructure, with a strong emphasis on correctness and reliability.

The hard problems we work on include credit risk modeling, capital efficiency, real time money movement, and building financial systems that must work perfectly every time. You will have ownership across the stack and the opportunity to shape core architecture from the ground up.