Modern Treasury
UnclaimedMove fiat and stablecoins with APIs for modern, programmable money movement.
Visit WebsiteWhat is Modern Treasury?
Modern Treasury (accounting): Move fiat and stablecoins with APIs for modern, programmable money movement. Modern Treasury provides an API-first platform designed to automate and streamline money movement for businesses. It offers a unified solution for managing various payment rails, including ACH, wire, FedNow, RTP, and stablecoins, through a single API. Key capabilities: Unified API for ACH, Wire, FedNow, RTP, and stablecoins, Real-time ledgering for all transactions, Pre-built bank integrations, Automated payment workflows and templates, Instant payment processing (FedNow, RTP). Modern Treasury is paid-only, with most plans including a trial period. Buyers most often compare Modern Treasury against PropertyBoss, NjiaPay.
TL;DR - Modern Treasury
- Automates money movement across multiple payment rails via a single API.
- Provides real-time ledgering for comprehensive transaction visibility and reconciliation.
- Accelerates product development and enhances customer experience with instant payments and pre-built bank integrations.
Pricing: Paid only
Best for: Enterprises & pros
4.7/5 across review platforms
Pros & Cons
Pros
- Simplifies complex payment operations with a single API
- Reduces engineering effort and accelerates product launch times
- Provides real-time visibility and tracking of all payments
- Enhances customer experience with instant payment capabilities
- Minimizes risk with audit-ready features and approval rules
Cons
- Pricing details are not transparently listed, requiring direct contact
- Requires technical integration via APIs, which might be a barrier for non-technical users
Ratings Across the Web
4.7(24 reviews)
Ratings aggregated from independent review platforms. Learn more
Preview
Key Features
Unified API for ACH, Wire, FedNow, RTP, and stablecoinsReal-time ledgering for all transactionsPre-built bank integrationsAutomated payment workflows and templatesInstant payment processing (FedNow, RTP)Instant bank account and counterparty onboardingReal-time payment confirmations and balance trackingAudit trail generation and approval rules
Pricing
Paid
Modern Treasury offers paid plans. Visit their website for current pricing details.
About Modern Treasury
By Toolradar Team·
Modern Treasury provides an API-first platform designed to automate and streamline money movement for businesses. It offers a unified solution for managing various payment rails, including ACH, wire, FedNow, RTP, and stablecoins, through a single API. This allows companies to integrate payment functionality directly into their applications, automating payment initiation, tracking, and reconciliation.
The platform also includes a real-time ledgering system that provides a flexible and scalable source of truth for all transactions, offering immediate visibility into payment statuses and balances. This is particularly beneficial for businesses that handle high volumes of payments, such as fintechs, marketplaces, and companies with complex financial operations, enabling them to reduce engineering effort, accelerate product launches, and enhance customer experiences with instant payments and accurate tracking.
Reviews
Be the first to review Modern Treasury
Your take helps the next buyer. Verified LinkedIn reviewers get a badge.
Write a reviewBest Modern Treasury Alternatives
Top alternatives based on features, pricing, and user needs.
Explore More
Modern Treasury FAQ
How does Modern Treasury facilitate moving money across both fiat and stablecoins?
Modern Treasury provides a unified API that allows for multi-rail payments, supporting transactions via ACH, FedNow, wires, RTP, push-to-card, and stablecoins. This single system manages all payment types, enabling users to move money across traditional banking networks and digital asset economies.
What is the primary benefit of using Modern Treasury's integrated PSP compared to traditional bank onboarding?
Modern Treasury's integrated PSP allows businesses to launch payment experiences in days, not months, by skipping the lengthy bank onboarding process. It provides a complete solution with built-in accounts and compliance, enabling rapid deployment and scaling without immediate direct bank integrations.
Does Modern Treasury require businesses to have their own banking licenses to operate on the platform?
No, businesses do not need their own licenses. Modern Treasury offers built-in compliance and regulatory coverage, allowing users to confidently move money across U.S. rails and stablecoins. Specific requirements may vary based on the use case.
How does Modern Treasury handle the cost structure for on-ramps and off-ramps involving stablecoins?
On-ramps and off-ramps consist of two fee components: a fiat rail fee and a conversion fee. The fiat fee depends on the payment rail used (e.g., ACH, wire), while the conversion fee applies when converting between fiat and stablecoins. For example, an ACH on-ramp would incur an ACH fee plus a conversion fee to swap USD into USDC.
Can Modern Treasury support named pay-ins and payouts for both the business and its customers?
Yes, Modern Treasury supports named pay-ins and payouts. This functionality allows both the business and its end-users to send and receive funds under a verified name, ensuring transparency and proper attribution for transactions.
What compliance operations does Modern Treasury manage behind the scenes for its users?
Modern Treasury handles ongoing compliance requirements such as transaction monitoring, AML checks, sanctions screening, and wallet screening. It also provides KYB/KYC for end-users and payment accounts backed by regulated partners.
Source: moderntreasury.com