In today’s fast-moving financial world, outdated banking systems and manual spreadsheets just can’t keep up. Businesses demand real-time money movement, automated workflows, and rock-solid transparency. Enter Modern Treasury — the financial operations platform that’s quietly powering the backbone of next-generation payments.
From fintech startups to Fortune 500 firms, Modern Treasury is becoming the trusted engine behind seamless transactions, helping companies move money with confidence and control.
What Is Modern Treasury?
Modern Treasury is a San Francisco–based fintech company that provides a unified platform for managing payments, bank integrations, and reconciliation at scale. Rather than replacing banks, Modern Treasury connects to them — offering an API-first infrastructure that turns complex financial operations into simple workflows.
Whether a company is sending ACH payments, wires, or real-time payments (RTP), Modern Treasury acts as the operations layer, giving teams visibility, automation, and compliance tools that legacy systems simply can’t offer.
Who Uses Modern Treasury?
Modern Treasury is used by a growing roster of companies across various industries:
- Fintech platforms handling user wallets, deposits, or payouts
- Lenders and BNPL providers managing loan disbursements and repayments
- Marketplaces dealing with escrow, split payments, and vendor payouts
- Insurance and healthcare firms handling reimbursements and claims
- Real estate and construction companies moving large sums securely
Some of its high-profile clients include Pipe, Gusto, ClassPass, and Marqeta — each leveraging Modern Treasury to gain real-time control over their financial operations.
Key Features of Modern Treasury
💳 Payment Operations
Modern Treasury allows businesses to initiate, approve, and monitor payments via ACH, wire, check, or RTP — all from one secure dashboard or via API.
📊 Reconciliation Engine
The platform automatically reconciles bank transactions with internal records, saving hours of manual spreadsheet work and reducing human error.
🔐 Secure Bank Integrations
Modern Treasury connects directly to a business’s bank accounts through secure APIs and provides detailed reporting on cash movement.
✅ Compliance & Audit Trails
Built-in approval workflows, user permissions, and detailed logs help businesses stay audit-ready and meet regulatory requirements with ease.
🧩 Developer-Friendly API
Engineered with product and finance teams in mind, the API is fully documented, making it easy to integrate payment infrastructure into any app or platform.
Why Modern Treasury Matters
Traditional financial systems often slow businesses down. Managing hundreds or thousands of payments per day through banks means dealing with siloed interfaces, missing data, and error-prone processes.
Modern Treasury solves this by offering a single source of truth for money movement — combining control, visibility, and scalability. Businesses can:
- Cut reconciliation time by 80%
- Scale payment volume without growing headcount
- Improve fraud detection and compliance readiness
- Integrate new payment methods as needed
In short, it replaces complexity with clarity.
Real-World Use Case
Imagine a lending company that issues hundreds of loans daily. Instead of logging into multiple bank portals and uploading CSV files, the finance team uses Modern Treasury to automate disbursements, track each transaction, and reconcile balances — all in real time.
That’s not just more efficient — it’s safer, faster, and scalable.