Build Payroll Experiences with Modern Treasury Payments and Ledgers
Build faster, smarter payroll products using real-time payment rails, programmable ledgers, and built-in compliance all with one API.
FAQs
Modern Treasury is a payments platform that lets payroll and HR software companies pay employees and contractors instantly. It combines bank and stablecoin rails, built-in compliance, and real-time visibility—so teams can launch and scale payroll experiences in days, not months.
Building payments in-house means managing multiple banks, vendors, and compliance programs. Modern Treasury eliminates that overhead with one API for funding, payouts, and reporting—reducing launch time, risk, and operational cost while giving you full control and transparency.
Yes. With direct connections to RTP and FedNow, plus traditional ACH, wire, and USDC rails, Modern Treasury enables near-instant payroll disbursements. Teams can pay employees or contractors in real time while keeping all balances and transactions synced in one system.
Most teams complete onboarding and KYB in a few days and start processing payments shortly after approval. Because banking and compliance are built-in, there's no need to open FBO accounts or build your own bank integrations—just plug in and start running payroll.
Your Payroll. Your Rails. Your Rules.
Programmable payments, real-time balances, and one API to manage it all.