Programmable Stablecoin Wallets

Hold and Move Stablecoins

Programmatically create and manage stablecoin wallets through a single API with built-in ledgering, payment orchestration, and reconciliation.
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Go From Zero to Scale

Build once, then scale from your first wallet to millions of wallets, adding new payment rails and financial experiences as your product evolves.

Scale Forever

Integrate once and launch wallets across multiple blockchain networks as your business grows.

Explore fiat digital wallets→

Unified Visibility Across Fiat and Stablecoins

Get real-time visibility into wallet balances, transfers, and activity across fiat and supported stablecoins like USDG, USDC, and USDT.

Build with Ease

Skip the blockchain complexity. Modern Treasury provides the wallet infrastructure, key management, and onchain operations you need to build with stablecoins.

Usage-Based Pricing

Pay only for the wallets and transactions your business uses.

Built for Your Use Cases

Embed Wallets

Launch branded wallet experiences directly inside your product.
A branded wallet screen inside a customer application, showing a total balance and recent transfers
A sent payment settling instantly over a stablecoin transfer, surrounded by supported payment rails

Combine Fiat & Stablecoins

Offer unified experiences across stablecoin wallets, named U.S. accounts, ACH, RTP, FedNow, wire, push-to-card, and checks.
Accrued rewards of $24,000 this year, charted across a world map

Offer Users Rewards

Let users in 90+ countries earn rewards on idle stablecoin balances.

Track Every Balance

Ledger customer balances in real time across wallets and your application.
A table of customer wallets with USDC balances and active or inactive status

FAQs

Direct answers for teams evaluating wallet infrastructure

Programmable stablecoin wallets let businesses create, manage, and automate wallets that hold and move digital dollars like USDC, USDT, and USDG. Unlike consumer crypto wallets, programmable wallets are designed for developers, making it easy to embed wallet creation, transfers, permissions, and compliance into your product through APIs. Businesses use programmable stablecoin wallets to power payments, treasury, marketplaces, payroll, and embedded financial products.

Modern Treasury provides the wallet infrastructure you need to launch programmable stablecoin wallets without managing blockchain complexity. Through a single API, you can create wallets, send and receive stablecoins, monitor balances and transactions, manage keys securely, and integrate fiat payment rails alongside onchain transfers. Modern Treasury handles the underlying blockchain infrastructure so your team can focus on building your product.

Modern Treasury supports leading blockchain networks, including Ethereum, Solana, Base, and Polygon, allowing businesses to build stablecoin wallet experiences across the ecosystems their customers already use. We continue to expand network support as adoption grows.

Yes. Modern Treasury supports businesses serving users across all 50 U.S. states, making it easier to launch compliant stablecoin wallet experiences nationwide.

Modern Treasury combines programmable stablecoin wallets and fiat payment infrastructure in a single platform. Unlike wallet providers focused exclusively on blockchain, Modern Treasury lets you manage both fiat and stablecoin experiences through one API while providing real-time visibility into balances, transfers, and transaction activity. This unified approach simplifies building financial products that operate seamlessly across traditional banking and blockchain networks.

Yes. Businesses can enable users to earn rewards on eligible idle stablecoin wallet balances while maintaining instant access to funds for payments and transfers. This allows companies to offer additional value to customers without sacrificing liquidity or requiring them to move assets between platforms.

One Platform for Modern Wallet Infrastructure

Build, fund, and manage programmable wallets with a single API, without the complexity of blockchain infrastructure.