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The Operating System for​ Money Movement

Modern Treasury’s suite of APIs move finance and product teams forward with automatic reconciliation, faster payments, and real-time financial data.

An illustration of the Modern Treasury dashboard and a cURL code window atop three pillars with animations showing movement.
ClassPass
Marqeta
Valon
DriveWealth
Revolut
Splitwise
Motive
Gusto
AvidXchange
Pipe
Procore
Outdoorsy
Navan
Sana
Settle
C2FO
ClassPass
Marqeta
Valon
DriveWealth
Revolut
Splitwise
Motive
Gusto
AvidXchange
Pipe
Procore
Outdoorsy
Navan
Sana
Settle
C2FO
ClassPass
Marqeta
Valon
DriveWealth
Revolut
Splitwise
Motive
Gusto
AvidXchange
Pipe
Procore
Outdoorsy
Navan
Sana
Settle
C2FO

Automatic reconciliation made easy

Learn how to speed up your month-end close process with automatic reconciliation in our new guide.

Learn more

Move money at the speed of software

Build products that move money and streamline payment processes with a unified operating system.

Automate your end-to-end product and financial workflows. See how ClassPass scaled payouts to thousands of studios with Modern Treasury.

Read ClassPass customer story
A Single Source of Truth

Infrastructure to move money faster

Our payments platform and ledger database unify data from internal systems and payment providers to simplify your operations in a single source of truth.

Screenshots of the Modern Treasury app atop a screenshot of a cURL request to the Modern Treasury API
Use Cases

Built to power complex payment operations

If you need to move or track a lot of money automatically, Modern Treasury can help.

Fintechs

Launch new payments products and workflows with our APIs.

Marketplaces

Accelerate payouts. Drive transparency throughout your marketplace.

Financial Services

Automate payments and unlock real-time visibility across your business.

Fortune 2000

Drive efficiency and streamline payment operations at scale.

Payments Platform

A unified payments platform built for scale

Create in-product payment experiences over any bank rail, including RTP and FedNow. Get full control and visibility across banks with a centralized dashboard and modern APIs.

Visual showing five incoming and outgoing bank payments of various amounts.

Reconciliation

Track, confirm, and attribute your payments in real-time with automatic reconciliation.

Global Coverage

Payout in 50+ currencies and automate payments in Canada, the EU, UK, and Australia.

Controls

Enhance control and mitigate risk with robust, custom approval rules, and user permissions.

Virtual Accounts

Create and manage sub-accounts to segment funds and streamline payment attribution.

Ledger Database

The database for money movement

Scale high-volume payment systems with a central, flexible source of truth. Log transactions from production and surface balances in your application in real-time.

Visual showing a database and several example incoming and outbound payments.

Immutable ledger

Build safer, more accurate payment systems with an append-only database.

Integrations

Automatically ingest data from payment processors, card issuers, and more.

Central source of truth

Streamline your architecture by centralizing and normalizing your transaction data.

Scalable data store

Process billions of a transactions on a ledger fast enough to handle card authorization flows.

Features

Solutions for the entire payment workflow

A visual showing payments being reconciled in Modern Treasury app.

Track and confirm your payments in real-time

Automate reconciliation across banks, processors, and business objects to save time and run your operations smoothly at scale.

Accelerate your workflows

Automate financial operations. Close your books faster.

Track payments in real-time

Monitor transactions. Catch anomalies to reduce risk.

Activate payments data

Unlock real-time financial data across your platform.

Unlock insights

Gather insights from rich, queryable payments data.

Insights

Dive deeper into the new era of payments

Navigate the world of payments with insights from industry experts. Written for payment, product, and finance leaders everywhere.

Try Modern Treasury and experience the future of money movement.

Connect with our team of experts to learn how
Modern Treasury can move your business forward.

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