Modern Treasury

Provides a payments infrastructure platform and API that lets companies move money across fiat rails and stablecoins, solving slow bank onboarding, fragmented vendors, and manual reconciliation with programmable accounts and a unified real-time ledger. Serves developers, finance and operations teams at technology platforms and businesses that embed payments for use cases such as cross-border transfers, wallets, lending and payroll. Delivered as a SaaS API with an integrated payment service provider that allows adding direct bank partners later without changing the integration.

Key features

• Multi-rail payments via one API
• Programmable accounts for individuals and businesses
• Unified real-time ledger
• Stablecoin orchestration and on/off-ramp
• Wallet infrastructure for fiat and stablecoins
• Cross-border payments
• Embedded ACH
• Global USD accounts
• Real-time reporting
• Built-in compliance