COMPANY detail

MODERN TREASURY
Build Products That Move Money

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MODERN TREASURY
Company Overview.
Year Founded 2018
Status Private
Specialties Infrastructure Payments
Company Size 51-200 Employees
Industry Technology, Information and Internet
Location San Francisco, USA
Description.

Modern Treasury is a unified API payments platform that helps companies move and track money across ACH, wires, RTP, FedNow, and stablecoins. Founded in 2018 by Dimitri Dadiomov, Matt Marcus, and Sam Aarons, the company provides B2B payment infrastructure as a service. Their platform includes programmable accounts, real-time ledgering, built-in compliance (KYB/KYC), and stablecoin orchestration. Modern Treasury has processed $400 billion in payments and maintains 99.99% uptime. The company recently launched Modern Treasury Payments, an integrated PSP for fiat and stablecoins, and joined Mastercard's Crypto Partner Program in March 2026. They are headquartered in San Francisco with an additional office in New York City.

Every company that moves money faces the same challenge: building and managing payments infrastructure takes too long and costs too much. They built Modern Treasury to be the most trusted infrastructure for money movement. That means helping businesses move and track money faster, easier, and more transparently over their choice of rails. Most of the economy runs on bank rails, and with stablecoins coming into regulatory clarity, increasingly on stablecoins. The market demands a platform that can speak both languages (fiat and stablecoin). Global teams want to operate through a single API across currencies, regions, and payment systems. Modern Treasury brings us closer to a world where money moves at the speed of the internet.

Key Infrastructure.
Payment Operations Platform A unified API platform that automates money movement across ACH, wires, RTP, FedNow, and stablecoins with built-in compliance and reconciliation.
Real-Time Ledger Proprietary ledger technology that tracks all transactions in real-time, providing automatic reconciliation and audit-logged exports for every payment.
Programmable Accounts Open accounts for individuals and businesses to hold and move fiat and stablecoin payments backed by a real-time ledger system.
Payment Rails Support Multi-rail support including ACH, Same-Day ACH, Domestic Wires, RTP, FedNow, Push-to-Card, and stablecoin orchestration in single platform.
Stablecoin Orchestration Fast, low-cost conversion between US dollars and stablecoins including on-ramp and off-ramp capabilities across multiple rails in one flow.
Bank Partner Network Access to 20+ bank partners with ability to add direct bank relationships as you scale, all within the same API integration.
Additional Features.
Fraud Detection
Built-in fraud checks during account onboarding to prevent fraudulent activity and protect platform integrity across all transaction types.
Multi-Factor Authentication
Platform-wide support for SAML, SCIM, and MFA integration through Auth0 for secure single sign-on and identity management.
Return Management
Automated handling of payment returns with detailed tracking, notification systems, and reconciliation workflows for failed or returned transactions.
Webhook Signatures
Cryptographically signed webhook payloads using digital signatures to verify sender identity and detect tampering during message transit.
Audit Logs
Detailed audit logs for all platform actions, traceable to individual users and API keys, exportable to SIEM systems for enterprise security monitoring.
IP Allowlisting
Per-API-key IP allowlisting configuration and traffic rate limiting to prevent API misuse, unauthorized access, and DDoS attacks.

GENERAL Questions.

What does this company do?
Modern Treasury provides B2B payment operations infrastructure as a unified API platform. They enable companies to move money across multiple payment rails (ACH, wires, RTP, FedNow, stablecoins) through a single integration. Their platform includes programmable accounts, real-time ledgering, built-in compliance (KYB/KYC), and stablecoin orchestration. They act as an integrated Payment Service Provider (PSP).
Who are their main clients?
Modern Treasury serves B2B customers including fintechs, marketplaces, lenders, payroll platforms, and platforms that need to move money. Notable clients include Anchorage Digital, Navan, Robinhood, GoFundMe, Procore, Gusto, BambooHR, Classpass, Homegrown, Masterworks, ProducePay, and Parafin.
Are they licensed?
Modern Treasury holds PCI DSS 4.0 certification and is SOC 2 Type II and SOC 1 Type II compliant. They operate as a money transmitter with state-level licenses in the US. They are NIST CSF 1.1 aligned and have a DPA complying with GDPR, CCPA, and CPRA.
What blockchains/stablecoins supported?
Modern Treasury supports fiat payments (ACH, wires, RTP, FedNow, push-to-card) and stablecoins. They have a partnership with Paxos for stablecoin orchestration, specifically supporting USDC. The platform is blockchain-agnostic for stablecoin transactions.