Modern Treasury

Modern Treasury is a payment operations platform that gives companies software and APIs for moving money and keeping their books in sync with what actually happened at the bank. Instead of building integrations to each bank and payment rail separately, engineering and finance teams connect Modern Treasury to their banks and use one interface to initiate ACH, wire, real-time payments, checks, and card payouts, track their status, and get notified on returns and exceptions. A core part of the product is automated reconciliation: Modern Treasury ingests bank transactions and matches them to expected payments, invoices, and internal records, and it provides a double-entry ledger service for companies that need to track balances for many users or sub-accounts with correctness guarantees. It also handles approval workflows, compliance checks, and reporting. In 2025 the company added an AI layer with an agent and workspace built specifically for payment operations, and it launched an integrated payment service provider option covering both fiat and stablecoin flows. Modern Treasury is used by fintech companies, marketplaces, lenders, insurers, and other businesses that move significant volumes of money and cannot tolerate reconciliation errors. It is sold as a paid platform, typically priced by payment volume and features.