Comparison

Envestnet | Yodlee vs Modern Treasury

On the evidence we track, Modern Treasury leads this comparison with a composite score of 66/100. Scores are only directly comparable because these tools share a category; the full breakdown and every source is below.

Machine formatsMarkdownJSONGraphQLMarkdown is open. JSON and GraphQL need a free key.
Envestnet | Yodlee56
★Modern Treasury66
Score
vioscaleAI score
Envestnet | Yodlee56 / 100low · 8%
Modern Treasury66 / 100medium · 70%
Pricing
Free tier
Envestnet | Yodlee–
Modern Treasury✗
Model
Envestnet | Yodleecommercial
Modern Treasurycommercial
Price level
Envestnet | Yodlee–
Modern Treasuryunknown
Transparent
Envestnet | Yodlee–
Modern Treasury✓
Integrations
Count
Envestnet | Yodlee19,000
Modern Treasury12
Security
Gdpr
Envestnet | Yodlee✓
Modern Treasury✓
Pci
Envestnet | Yodlee–
Modern Treasury✓
Soc2
Envestnet | Yodlee–
Modern Treasury✓
Reliability
Sla pct
Envestnet | Yodlee–
Modern Treasury99.99
Status page
Envestnet | Yodlee–
Modern Treasury✓
Market
Content
Faq
Envestnet | Yodlee–
Modern Treasury6 items

Capabilities

Feature-by-feature on the axes that matter for fintech infrastructure. “-” means undocumented, not absent.

Core
Primary capability
Envestnet | YodleeData aggregation
Modern TreasuryMoney movement
Capabilities
Payments / acquiring
Envestnet | Yodlee✓
Modern Treasury✓
Card issuing
Envestnet | Yodlee-
Modern Treasury✗
Banking-as-a-service / accounts
Envestnet | Yodlee-
Modern Treasury✓
Data aggregation / open banking
Envestnet | Yodlee✓
Modern Treasury✓
Payouts / disbursements
Envestnet | Yodlee-
Modern Treasury✓
Money movement rails (ACH, RTP, wire, card)
Envestnet | Yodlee-
Modern TreasuryACH, Wire, Check, FedNow, Stablecoins
Coverage
Multi-currency / cross-border
Envestnet | Yodlee-
Modern Treasury✓
Geographic coverage (countries / regions)
Envestnet | YodleeNorth America
Modern TreasuryGlobal (cross-border and multi-currency)
Compliance
PCI DSS Level 1
Envestnet | Yodlee-
Modern Treasury-
SOC 1 / SOC 2 attestation
Envestnet | Yodlee-
Modern Treasury-
PSD2 / Open Banking licensed
Envestnet | Yodlee-
Modern Treasury-
Developer
SDK language coverage (Node, Python, Ruby, Java, Go)
Envestnet | Yodlee-
Modern Treasury-
Pricing
Pricing model
Envestnet | Yodlee-
Modern TreasuryUsage / per API call
Market
Target segment
Envestnet | YodleeEnterprise
Modern TreasuryPlatform / marketplace

What each one is

The product in its own terms, so the numbers below have context.

Envestnet | Yodlee

A data aggregation and open banking platform that enables financial institutions, fintechs, and platforms to securely connect consumer and business accounts and access enriched financial intelligence. Yodlee provides account aggregation, transaction data, and analytics to power lending decisions, personalized services, and alternative credit assessment.

Independently observed

Modern Treasury

Leader

A cloud-based platform that enables companies to collect and distribute money, manage customer and vendor accounts, and execute fund transfers across multiple payment methods with built-in compliance checks and accounting ledgers.

Independently observed

Pricing

List pricing as published by each vendor, with the date we read it. Always verify at the source before you buy.

Envestnet | Yodlee

Pricing not documented yet.

Modern Treasury

Leader
Usage-based

Usage-based pricing that scales with platform volume

as of verify ↗

Platform & deployment

Where each product runs and how it can be hosted. A dash means undocumented, not unsupported.

Platforms
Web
Envestnet | Yodlee–
Modern Treasury✓
Deployment
Cloud / SaaS
Envestnet | Yodlee–
Modern Treasury✓

Integrations

What each product connects to. Counts come from the vendor's own integration directory where one exists.

Envestnet | Yodlee

4 total
  • Advisor360°
  • IGG Software
  • PayPal
  • Norton
Independently observed

Modern Treasury

Leader
18 total
  • Blue Ridge Bank
  • ACH
  • Wire
  • Check
  • FedNow
  • Stablecoins
  • Plaid
  • BMO
  • Commerce Bank
  • Cross River
  • First Pryority Bank
  • Goldman Sachs
  • Increase
  • RBC Bank
  • Regions Bank
  • Silicon Valley Bank
  • Texas Capital Bank
  • US Bank
Independently observed
Still deciding?

Envestnet | Yodlee or Modern Treasury: which one depends on you

A composite score cannot know your constraints. Describe them and both get re-weighted against what you actually need, with the evidence behind every position.

Free to run, no account needed to start. How the evaluation works

Comparison generated from independently-sourced facts. Every value links to its source and retrieval date. See the method.