Build Products That Move Money

Launch in days with one API to onboard customers, open accounts, and move money across fiat and stablecoins, with compliance and ledgering built in.

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Build with Modern Treasury

Platform Pay-Ins and Payouts

Collect money from customers and pay sellers, contractors, borrowers, or vendors.

Explore Embedded Payments→

Your platform collecting pay-ins from customers and sending payouts

Stablecoin Orchestration

Move money faster and cheaper across rails, borders, and currencies. Off-ramp, on-ramp across rails—all in one flow.

Explore Stablecoin Orchestration→

A USDC payment received and sent across a global network

Programmatic Accounts

Open accounts for individuals and businesses. Move fiat and stablecoins, backed by a real-time ledger.

Explore Programmatic Accounts→

A sub-account with routing number, account number, and balance

Automate Manual Processes

Replace bank portals, CSV uploads, and disconnected providers with automated payment workflows.

Explore Payments→

Bank portals, CSV uploads, and disconnected providers replaced by an automated payment order

$600 Billion

Payments Processed

99.99%

Uptime

One API

Across Fiat and Stablecoins

One API, from Onboarding to Reconciliation

Build the complete money movement lifecycle without stitching together banks, compliance vendors, ledgers, and payment tools.

01Onboard

POST/api/legal_entities

REQUEST

{
  "legal_entity_type": "business",
  "business_name": "Riverline Health, Inc.",
  "doing_business_as_names": ["Riverline"],
  "legal_structure": "corporation",
  "date_formed": "2019-03-12",
  "business_description": "Healthcare billing software",
  "email": "ops@riverline.example",
  "identifications": [
    { "id_number": "451234567", "id_type": "us_ein", "issuing_country": "US" }
  ]
}

201 RESPONSE

{
  "id": "8555c38f-8906-4390-844e-1e9997009313",
  "object": "legal_entity",
  "legal_entity_type": "business",
  "status": "pending"
}

Get Live. Keep Building.

Start fast

Launch with Modern Treasury instead of spending months securing banks and connecting vendors.

Build once

Add payment methods as you grow. Connect to traditional payment rails and stablecoins through one API, without rebuilding your integration.

Stay in control

Manage balances, payment status, returns, reconciliation, and reporting in one system.

We have to support a multi-rail experience for our borrowers at scale, whether that be ACH, wire, check, or RTP. Modern Treasury allows us to code once and send a payment many ways.

Jonathan Spinetto

Co-Founder and COO, NFTYDoor

Read the story→

Working with Modern Treasury allowed us to get up and running in days, not months. That speed let us stay focused on shipping a product that helps companies earn more on their cash, instead of spending unnecessary time in the weeds of payments infrastructure.

Sam Lushtak

Co-Founder and CEO, Palus Finance

Link to release→

Speed and simplicity are critical to the experience we’re building at Spritz. Modern Treasury’s APIs made it incredibly easy for our team to integrate and go live quickly. That allowed us to focus on what matters most: creating a seamless, global financial experience for our users.

Christopher Sheehan

Founder and CEO, Spritz

Link to release→

Start Moving Money

Let's talk about the use case and pricing that fits your roadmap.