Modern Treasury

Modern Treasury is a payment operations platform that provides a single API for onboarding customers, opening accounts, and moving money across fiat payment rails and stablecoins. It addresses the need to coordinate payments, compliance, and accounting in one system rather than across separate banks, compliance vendors, and ledgers.

The platform includes Payments, Stablecoins, and Ledgers modules, with support for ACH, RTP, FedNow, wire, push-to-card, checks, and stablecoin orchestration. It offers KYC/KYB onboarding, programmable accounts and sub-accounts, a real-time ledger, auto-reconciliation, return management, reporting, audit-logged exports, and webhooks. Security features include granular user roles, audit logs, PCI DSS 4.0 certification, SOC 1 and SOC 2 Type II assessments, and alignment with NIST CSF 1.1.

Modern Treasury is designed for companies building payment products, including lending, payroll, rewards, and embedded finance use cases. Pricing is usage-based, scaling with actual usage rather than long-term volume commitments. A sandbox is available for development, and the platform supports moving from an integrated PSP to direct bank relationships.