Provide U.S. Dollar Accounts to Users Globally with Modern Treasury

Global USD Accounts are named U.S. accounts that platforms can offer to eligible individuals and businesses in more than 90 countries. Each account has unique routing and account numbers, supports collecting and sending across ACH, Wire, RTP, FedNow, and stablecoin rails, and is managed through Modern Treasury's single API for payments, compliance, ledgering, and stablecoin flows.

Modern Treasury replaces the multi-vendor pattern most platforms run to serve international users in USD: a banking partner for U.S. account access, a compliance vendor for KYC/B and onboarding, a separate provider for stablecoin conversion, a stablecoin wallet provider, and a payment processor for moving funds across rails. All of it runs through a single integration with one ledger for reconciliation.

Global USD Accounts are available for eligible individuals and businesses in more than 90 countries. Eligibility varies by country and account type. Reach out to talk through specific markets.

Each account supports ACH (debit and credit), Wire, RTP, and FedNow on the U.S. domestic side, plus conversion to and from stablecoins, including USDG, PYUSD, and USDC across networks like Arbitrum One, Ethereum, Polygon PoS, Solana, Stellar, and Base. USDT on Ethereum is also supported.

Inbound and outbound international wire transfers via SWIFT, USDT on Tron, push-to-Card, check sending, FDIC pass-through insurance on eligible balances, and support for received debits are on the roadmap.

Compliance is embedded from account creation. Onboarding (KYC for individuals, KYB for businesses, identity verification, and watchlist screening), AML transaction monitoring, and counterparty screening run through the same API as the rest of Modern Treasury's payment flows. Platforms maintain consistent controls across account creation, transaction activity, and ongoing monitoring without fragmenting operational workflows.

Funds held in a Global USD Account can be converted to stablecoins (USDG, PYUSD, USDC) and sent to external wallets, or received as stablecoins and converted back to USD. The full flow runs through Modern Treasury's payment orchestration API and posts against the same ledger, so platforms see a single record of truth across fiat and stablecoin activity.

Balances held in U.S. dollars may be eligible for yield via programs from our banking partners. Stablecoin holdings may also be eligible. Eligibility and program details vary; talk to us for specifics.