Welcoming Matt Janiga to Modern Treasury

I’m a huge payments and banking nerd.

I started my career as a banking and capital markets lawyer on the East Coast. I worked at Capital One. The work was interesting, but what really caught my attention was how executives kept talking about PayPal, Square, Bitcoin, and other new technologies. One day, the bank’s CEO told a group of us that he considered mobile payments (what we used to call fintech) a major threat to traditional banking. It was a lightbulb moment. Suddenly, I had a name for the products and companies that excited me most. From then on, I wanted to work in mobile payments, which has turned into fintech.

A fantastic opportunity came up to work at Square and help them build their regulatory function. The work was all about payments and laid the foundation for the products generating monster revenues in their SMB and Cash App segments. Square bought a food delivery company that ran on Stripe, which introduced me to the power of payments APIs. When the opportunity to join Stripe came up, I jumped on it and got to work across their marketplace payments, lending, and card-issuing teams.

It’s been more than ten years since my family and I came to California to work in fintech. It’s been a blast building some of the most widely used and transformational payment products in the industry. And I believe Modern Treasury is building something just as transformational.

Why I Joined Modern Treasury

Payments still has enormous greenfield opportunity, and Modern Treasury is uniquely positioned to capture it. When the team made me the offer, it was a no-brainer to say yes.

Modern Treasury’s existing software offering is a huge advantage. We’ve been helping companies across multiple verticals and sizes process and ledger more than $400 billion in payment volume. The software is battle-tested, and the team has a deep understanding of how fiat payments like ACH and RTP move across the U.S. banking system. Now, we’re taking that advantage and using it as the foundation to go bigger, gearing up for our biggest launch yet. That’s what drew me in. We’ve built something that gives companies the fastest way to build products that move money, and I can’t wait to see it go live.

While our roots are in fiat payment rails, we’ve moved fast and built expertise in stablecoins. We acquired Beam, a stablecoin orchestration platform, last year, and getting the chance to learn from Dan Mottice and the team from Beam has been an incredible opportunity. The work we’ve been doing has been novel, and I’m excited to support the team as they build their next round of products.

Another advantage is the people. I’ve known the Modern Treasury team for several years and have always been impressed with the great talent and expertise, especially Matt, Sam, Derek (my new manager), and Dimitri. Team members are focused on delivering for customers and don’t shy away from hard problems. Everyone is incredibly smart and nice, and the co-founders have a strong compass for decision-making. Both of these things were important to me because we’ve got a years-long journey ahead of us in payments, and I really wanted to work with smart, nice colleagues who make good decisions. It sounds funny, but it’s not always a given in startup land.

What’s On Deck for 2026

We haven’t been shy about where we’re headed, but I’m excited to officially launch what we’ve been building in the coming weeks. There’s been a tremendous amount of work behind the scenes—contracts, legal “is this OK” questions, and some genuinely important structuring decisions—to make sure we get this right. The result is an exciting roadmap that will unlock a host of new functionality for our customers and set the foundation for what comes next. We’re just getting started, and I’m looking forward to sharing more as it all comes together. As always, you can follow along with me @regulatorynerd on X and here on the Modern Treasury Journal.