What does this company do?

Modern Treasury provides B2B payment operations infrastructure as a unified API platform enabling companies to move money across multiple payment rails through a single integration with programmable accounts, real-time ledgering, built-in compliance, and stablecoin orchestration.

Who are their main clients?

Modern Treasury serves B2B customers including fintechs, marketplaces, lenders, payroll platforms, and platforms that need to move money. Notable clients include Anchorage Digital, Navan, Robinhood, GoFundMe, Procore, Gusto, BambooHR, Classpass, and Masterworks.

Modern Treasury holds PCI DSS 4.0 certification and is SOC 2 Type II and SOC 1 Type II compliant. They operate as a money transmitter with state-level licenses in the US and are NIST CSF 1.1 aligned.

What blockchains/stablecoins supported?

Modern Treasury supports fiat payments and stablecoins with a partnership with Paxos for stablecoin orchestration, specifically supporting USDC, and operates as a blockchain-agnostic platform for stablecoin transactions.

MODERN TREASURY

Settlement Rails Private

Build Products That Move Money

Visit moderntreasury.com X LinkedIn

About MODERN TREASURY

Modern Treasury is a unified API payments platform that helps companies move and track money across ACH, wires, RTP, FedNow, and stablecoins. Founded in 2018 by Dimitri Dadiomov, Matt Marcus, and Sam Aarons, the company provides B2B payment infrastructure as a service. Their platform includes programmable accounts, real-time ledgering, built-in compliance (KYB/KYC), and stablecoin orchestration. Modern Treasury has processed $400 billion in payments and maintains 99.99% uptime. The company recently launched Modern Treasury Payments, an integrated PSP for fiat and stablecoins, and joined Mastercard's Crypto Partner Program in March 2026. They are headquartered in San Francisco with an additional office in New York City.

Key Infrastructure

Payment Operations Platform

Unified API platform that automates money movement across ACH, wires, RTP, FedNow, and stablecoins with built-in compliance and reconciliation

Real-Time Ledger

Proprietary ledger technology that tracks all transactions in real-time, providing automatic reconciliation and audit-logged exports

Programmable Accounts

Open accounts for individuals and businesses to hold and move fiat and stablecoin payments backed by a real-time ledger system

Payment Rails Support

Multi-rail support including ACH, Same-Day ACH, Domestic Wires, RTP, FedNow, Push-to-Card, and stablecoin orchestration

Stablecoin Orchestration

Fast, low-cost conversion between US dollars and stablecoins including on-ramp and off-ramp capabilities across multiple rails

Bank Partner Network

Access to 20+ bank partners with ability to add direct bank relationships as you scale, all within the same API integration

Additional Features

Fraud Detection

Built-in fraud checks during account onboarding to prevent fraudulent activity and protect platform integrity

Multi-Factor Authentication

Platform-wide support for SAML, SCIM, and MFA integration through Auth0 for secure single sign-on

Return Management

Automated handling of payment returns with detailed tracking, notification systems, and reconciliation workflows

Webhook Signatures

Cryptographically signed webhook payloads using digital signatures to verify sender identity and detect tampering

Audit Logs

Detailed audit logs for all platform actions, traceable to individual users and API keys, exportable to SIEM systems

IP Allowlisting

Per-API-key IP allowlisting configuration and traffic rate limiting to prevent API misuse and unauthorized access

Frequently Asked Questions

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