Orchestrate Fiat and Stablecoin Payments With Modern Treasury

Stablecoin orchestration enables customers to manage the full lifecycle of stablecoin payments including pay-ins, conversions & payouts through a unified API. It replaces the pattern of stitching together separate fiat, on-chain infrastructure (including wallets and RPC), and liquidity solutions.

Modern Treasury replaces the two-vendor pattern that most platforms run today: a payment processor for ACH collection (such as Moov, Stripe, or a bank API) alongside a separate on-ramp and stablecoin liquidity provider (such as Bridge, Brale, Coinbase, or Circle). Both legs now run through a single integration with one reconciliation ledger.

ACH collection, stablecoin conversion, and crypto disbursement are all payment orders on the same API. The type field specifies the rail — ACH debit for collection, book transfer for USD-to-USDC conversion, and crypto for wallet disbursement. All three legs appear in the same ledger with no cross-system reconciliation required.

Modern Treasury supports USDG and USDC disbursement across multiple networks including Ethereum, Polygon PoS, Solana, and Base. The network is specified per payment order — platforms can route to different chains without reconfiguring accounts or wallets.

Modern Treasury runs wallet screening automatically on every crypto disbursement. Onboarding (KYC/B, Identity Verification & Watchlist screening) is handled using the same API as fiat flows. Additionally, Modern Treasury performs Transaction Monitoring including AML, watchlist screening, fraud & counterparty screening. Reporting is available broken down by currency type to support IRS property treatment requirements for USDC.