In an era where companies are expected to move fast and scale even faster, the way money flows behind the scenes is often a silent bottleneck. Legacy payment systems, manual approvals, and fragmented bank connections no longer cut it. That’s where Modern Treasury steps in — building the financial infrastructure that today’s digital-first companies demand.
From high-growth fintechs to established enterprises, Modern Treasury is transforming the way businesses initiate, track, and reconcile payments. And it’s doing it with the kind of precision and transparency that traditional systems simply can’t match.
What Is Modern Treasury?
Modern Treasury is a San Francisco-based fintech platform founded in 2018. Its core mission? To streamline payment operations and make financial workflows as programmable as software. It connects directly with a company’s bank accounts, offering a secure layer to manage ACH transfers, wires, checks, RTPs, and more — all from one interface or via API.
Think of it as an operating system for money movement. Whether you’re a CFO, engineer, or ops lead, Modern Treasury offers the tools to automate payments, reconcile transactions instantly, and maintain full financial control.
Key Features of Modern Treasury
💸 Payment Automation
Initiate and manage thousands of transactions — from ACH and wire to RTP — using a simple dashboard or powerful API. No more file uploads, no more delays.
📊 Instant Reconciliation
Modern Treasury matches every payment with internal records in real time. That means no more days wasted on spreadsheet matching and end-of-month accounting chaos.
🔐 Bank Integrations & Security
Connect securely with major banks using tokenized credentials. Gain visibility into all your accounts and transactions without ever logging into legacy portals.
✅ Approval Workflows & Compliance
Set granular permissions, approval chains, and audit logs. Stay compliant, reduce fraud risk, and never lose track of who approved what.
👨💻 Developer-Friendly APIs
The Modern Treasury API is designed with builders in mind. Plug into your product, launch faster, and ship reliable financial features at scale.
Who Uses Modern Treasury?
Modern Treasury serves a wide range of industries and clients:
- Fintech platforms disbursing loans, managing accounts, or enabling embedded finance
- Insurance & healthcare providers processing large volumes of reimbursements
- Gig platforms & marketplaces paying out vendors and creators at scale
- Payroll & HR tech companies handling time-sensitive wage payments
- Construction & real estate firms managing large, complex fund transfers
Companies like Brex, Pipe, Gusto, and ClassPass use Modern Treasury to manage billions of dollars in transactions, ensuring every dollar is tracked and reconciled.
Why Modern Treasury Matters Now
As businesses become more global and product-led, financial operations are becoming deeply embedded into the core product experience. Whether it’s same-day payouts, instant refunds, or real-time loan disbursement, money movement is now mission-critical.
But traditional finance teams are still stuck with tools from the last century. Modern Treasury fills the gap — giving companies:
- 24/7 transaction visibility
- Real-time financial control
- Seamless scaling with reduced manual labor
- Automated compliance and audit trails
In essence, it turns finance into a competitive advantage.