Launch Card Programs with Modern Treasury Payments and Ledgers
Issue cards backed by programmable ledgers, real-time payment rails, and balance control. One API. Debit or Credit.
FAQs
Modern Treasury is a unified payments platform that powers card programs with instant funding, settlement, and compliance. Whether you're issuing debit or credit cards, Modern Treasury provides the APIs and infrastructure to move money instantly between users, merchants, and networks—all while maintaining full visibility into balances and transactions.
Launching a card program typically means managing multiple banks, processors, and compliance systems. Modern Treasury simplifies this with one API for issuing and settling payments across ACH, wire, RTP/FedNow, and stablecoin rails, plus integrated KYB, KYC, and AML. It's the fastest way to launch and scale card products without managing financial plumbing yourself.
Yes. Modern Treasury supports debit (prefunded) and credit (post-funded) programs. You can fund user accounts before transactions or extend credit and collect repayments later—all while tracking balances and obligations programmatically in one unified system.
Most teams complete onboarding and begin processing payments within days. Because Modern Treasury includes integrated banking and stablecoin partners, you can issue and fund cards quickly—then bring your own bank or processor later without changing your integration.
Build the ledger behind your next card product.
Launch prepaid, credit, or expense cards with programmable balances, instant settlement, and built-in limits.