Modern Treasury Payments is an API-first SaaS platform designed to automate and orchestrate the entire lifecycle of business payments. The platform enables organizations to initiate, approve, release, and reconcile payments across multiple banks, payment rails (ACH, wire, RTP, FedNow, stablecoins), and currencies. Modern Treasury centralizes payment workflows, providing real-time visibility, audit trails, and granular controls for legal entities and approval rules. Its infrastructure supports instant payments, cross-border transactions, automated payouts, and complex use cases such as payroll, taxes, and buy now/pay later. The system integrates directly with banks and accounting systems, streamlining reconciliation and continuous accounting. Modern Treasury’s AI-powered features further enhance payment operations by automating exception handling, data validation, and workflow optimization. The platform is built for scale, supporting high transaction volumes and rapid onboarding, and is used by fintechs, marketplaces, lenders, and enterprises seeking to modernize and future-proof their payment operations.

Key Features

API-Driven Payment Initiation & Management Automates payment workflows across banks and rails.

• RESTful APIs for initiating, approving, and releasing payments
• Supports ACH, wire, RTP, FedNow, stablecoins, and checks

Real-Time Reconciliation & Visibility Centralizes payment data and automates reconciliation.

• Instant matching of payments to transactions
• Real-time balance and payment status tracking

Flexible Approval Rules & Controls Customizable workflows for compliance and risk management.

• Entity-level controls and multi-user approval flows
• Audit trails and activity logging for transparency

AI-Powered Operations Intelligent automation for payment workflows.

• Exception handling and data validation
• Context-aware agent for workflow optimization

Bank & System Integrations Seamless connections to banks and accounting platforms.

• Pre-built integrations for rapid onboarding
• Syncs with general ledger and ERP systems

Support for Complex Use Cases Handles diverse payment scenarios and business models.

• Cross-border payments, instant payouts, payroll, taxes
• Templates and data validation for standardized transactions

Benefits

Operational Efficiency & Automation Reduces manual effort and errors in payment operations.

• Automates initiation, approval, and reconciliation
• Streamlines complex workflows and compliance

Real-Time Financial Control Provides instant visibility and control over payments.

• Enables faster decision-making and risk management
• Supports instant payments and real-time confirmations

Scalability & Flexibility Adapts to business growth and evolving payment needs.

• Handles high transaction volumes and multi-entity operations
• Supports new payment rails and currencies

Auditability & Compliance Ensures transparency and regulatory readiness.

• Maintains detailed audit trails and activity logs
• Customizable approval rules for compliance