Nayya, a leading health and wealth AI adviser that collaborates with major HR tech platforms, benefits providers, and employers, has acquired Northstar, a financial wellness firm that offers personalised financial guidance as an employee benefit.
The move comes alongside Nayya’s launch of a first-of-its-kind agentic AI solution designed to simplify and personalise health and wealth decisions for employees.
The acquisition aims to create a unified platform combining health benefits and financial planning. While the value of the deal has not been disclosed, both companies emphasised that the integration will enable employees to navigate complex benefits more effectively, while allowing employers to maximise the return on their benefits investment.
Nayya is known for its proprietary data platform, which analyses employee demographics, financial information, plan designs, and medical and carrier networks to provide actionable insights. Its new AI adviser, described as a “SuperAgent”, goes beyond traditional benefits tools by not only answering questions but also taking actions on employees’ behalf, with consent. This includes enrolling staff in wellness programmes or automatically appealing denied insurance claims.
Founded in 2016, Northstar has raised more than $40m in venture capital, with backing from Notable Capital, M13, Canvas Ventures, and Foundation Capital. The company works with employers including Zoom, ServiceTitan, and NerdWallet, offering access to Certified Financial Planners and tailored guidance on retirement, insurance, savings, and taxes. Its expertise in financial planning will now be embedded into Nayya’s benefits intelligence engine, broadening the scope of support available.
Together, the companies intend to bring continuous benefits connections to employees, moving beyond open enrolment periods to deliver ongoing value. The platform will provide HR teams and benefits leaders with tools to enhance employee engagement, reduce administrative burdens, and improve satisfaction.
Nayya already partners with five of the top 10 HR tech platforms, supporting nearly four million employees at major companies and government organisations. Its network of backers and partners includes Workday Ventures, ADP Ventures, MetLife Ventures, Guardian Ventures, Unum Ventures, isolved, Paychex, Aflac, Prudential, Symetra, Chubb, Mercer, Brown & Brown, Aon, bswift, and Telus.
Employers are increasingly scrutinising the high cost of benefits programmes, which rise each year. Nayya claims its platform not only boosts utilisation of these programmes but also drives measurable impact. For example, 72% of employees take different benefits actions after using Nayya, and those using Nayya Claims have secured an average of $7,500 in reimbursements from supplemental health policies.
Interested employers can now request invite-only access to the AI agent, with general availability planned for 2026.
Nayya CEO and founder Sina Chehrazi said, “Employers are questioning the value of the millions of dollars they are spending on employee benefits, and 74 percent of employees in 2025 report that they don’t even understand what most of their benefits can do. This is exactly the type of problem last-mile AI can solve. We developed an agentic AI adviser because the technologies are here to dramatically simplify and personalize health and wealth decisions.”
Northstar CEO and co-founder William Peng said, “Decisions about financial and health benefits are closely linked, and employees today are faced with a dizzying array of complex choices and tradeoffs. The combined platform of Northstar and Nayya gives employees and employers a single point of contact for health and wealth questions ranging from retirement, insurance, savings, taxes, and more. I have always admired Nayya’s approach, as we share a similar vision to provide personalized guidance at scale, and I’m thrilled to join forces with them to accelerate our roadmap and better serve our customers.”
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