GrailPay, a risk and data platform for bank payments, announced $6.7 million in funding to expand its suite of tools that make ACH transactions safer, smarter, and faster. ACH is the backbone of the U.S. financial system—moving over $86 trillion last year alone—but remains riddled with fraud, credit risk, and operational failures. GrailPay is closing that gap with a modern intelligence platform designed to detect and prevent risk across the ACH lifecycle, before a transaction is ever initiated. GrailPay’s platform offers predictive analytics and real-time signals across account enrollment, transaction monitoring, and merchant underwriting. Its tools are used by payment platforms, lenders, fintechs, and software vendors to reduce failed payments, accelerate decisioning, and automate operations. Though GrailPay provides ACH processing, its tools are designed to be modular and standalone—meaning customers can adopt the platform’s intelligence offerings with or without using it for payments. Will Messina, CEO and co-founder of GrailPay said “We’re building the modern intelligence layer to unlock the next growth wave of payments tied to a bank account.”