In a time when businesses are scaling faster than ever and embedded finance is becoming the norm, managing money efficiently is not just a necessity — it’s a competitive edge. That’s where Modern Treasury steps in, offering a solution that blends the reliability of traditional banking with the agility of modern software.
As the connective tissue between companies and their banks, Modern Treasury simplifies complex financial workflows, automates money movement, and empowers finance and engineering teams to build seamless, compliant, real-time payment infrastructure.
What Is Modern Treasury?
Modern Treasury is a San Francisco-based fintech platform that provides companies with tools to initiate, approve, reconcile, and track payments across multiple bank partners. Unlike legacy systems that depend on manual inputs and disjointed platforms, Modern Treasury delivers a unified API and intuitive dashboard to orchestrate financial operations from end to end.
Founded in 2018, the company is now trusted by a broad range of industries — from fintechs and healthcare startups to construction giants and enterprise lenders — all seeking one thing: control over how money flows through their business.
What Does Modern Treasury Do?
Modern Treasury replaces spreadsheets, PDF approvals, and hours of reconciliation with a modern, programmable solution that does the heavy lifting:
- Initiate ACH, wire, RTP, or check payments directly via API or dashboard
- Create multi-tier approval workflows based on role and risk level
- Automatically reconcile transactions to your internal ledger in real time
- Monitor cash positions across multiple accounts and banks
- Ensure compliance with built-in audit trails and security features
Why Businesses Choose Modern Treasury
Whether you’re a fast-scaling startup or a multinational firm, managing financial operations manually is a recipe for inefficiency and errors. Modern Treasury provides:
✅ Speed & Accuracy: Payments are initiated and tracked in real time, eliminating delays and uncertainty.
✅ Transparency: Every transaction, approval, and status change is logged, searchable, and auditable.
✅ Scalability: Handle thousands of transactions per day without expanding headcount or risking human error.
✅ Flexibility: Connect with multiple banks through one system, allowing better treasury management.
✅ Developer-Friendly Integration: With detailed documentation, sandbox environments, and webhook support, developers can build powerful financial products faster than ever.
Who Uses Modern Treasury?
The platform serves a wide array of industries, including:
- Fintech and lending platforms managing high volumes of user payments
- Healthcare providers handling insurance reimbursements and claims
- Marketplaces and gig platforms sending real-time payouts
- Construction and real estate companies requiring escrow management and vendor payments
- Insurance and payroll platforms needing reliable and compliant disbursement workflows
Clients like Gusto, Marqeta, ClassPass, and Brex use Modern Treasury to power billions in daily financial transactions.
Real-World Example
Imagine a digital lender disbursing hundreds of loans daily and collecting repayments from various sources. Without automation, the finance team would spend hours reconciling deposits, tracking returns, and auditing every line item. With Modern Treasury, those processes are automated, tracked, and auditable — in real time.