Payments Infrastructure Editorial Record
Modern Treasury
Payment operations software and unified banking APIs that automate money movement, approvals, and real-time reconciliation.
Executive Overview
Modern Treasury builds payment operations software that connects directly with commercial banking partners. By providing APIs across ACH, Wire, RTP, FedNow, and stablecoins, the platform helps engineering teams build automated payment products, orchestrate multi-bank relationships, and maintain continuous ledgers.
Why This Company is Notable
Modern Treasury established a programmable software layer for multi-bank payment operations, offering double-entry ledger databases and automatic account reconciliation.
Core Products & Technical Capabilities
- Payments API (ACH, FedNow, RTP, Wire)
- Ledgers (Double-entry scalable database)
- Continuous Account Reconciliation
- Virtual Accounts & Routing Engines
Payment OperationsMulti-Bank APIsContinuous ReconciliationReal-Time Rails