Modern Treasury MCP

Modern Treasury is payment operations infrastructure for companies that move money through their own bank accounts. It initiates payments across bank rails, tracks the lifecycle of each one, reconciles bank activity against what was expected, and provides Ledgers, a double entry system of record for balances inside a product. The Modern Treasury MCP server is generated from the company's own API client, so its tool surface mirrors the API resource for resource. An agent connected to it can work with payment orders and their status, expected payments, returns, incoming payment details, counterparties, internal and external bank accounts, and posted transactions. On the ledger side it reaches ledgers, ledger accounts, and ledger transactions, which is where balance and entry questions get answered. Invoices and platform events round out the surface, letting an assistant trace a single flow from the moment a payment was created through to the entries it produced. The realistic use is operational lookup and investigation rather than autonomous money movement: finding why a payment is stuck, checking whether an expected payment ever arrived, or explaining how a balance was reached. Because the same API can also create payment orders, scope the credentials you hand an agent to read paths unless a human approves each write, and treat any tool that initiates funds movement as requiring explicit confirmation.