Modern Treasury

Modern Treasury is a payment operations system, an operating system for moving money, with direct host-to-host and API integrations to banks, a ledger and reconciliation. Founded in 2018, it is based in San Francisco and is a unicorn backed by investors including Benchmark and Altimeter.

Products

The listed capabilities are direct bank H2H and API integrations for ACH, wire, RTP, FedNow and SEPA, an immutable ledger and AI-driven reconciliation. The company says it is the core for building payment flows, so finance and engineering teams work from one record of what was sent, received and matched.

Customers and regions

Target verticals are fintech, marketplaces, crypto, proptech, healthcare and PSPs. Coverage is the United States, Canada, the United Kingdom and the EU.

Pricing

Modern Treasury is sold as an enterprise SaaS subscription. Fees are not published, so businesses should ask which banks and payment rails are connected in each region, and how the ledger and reconciliation modules are priced.