# Envestnet | Yodlee vs Modern Treasury

**Leader by vioscaleAI score:** Modern Treasury

| Attribute | Envestnet | Yodlee | Modern Treasury |
|---|---|---|
| **vioscaleAI score** | 55.8 (8% (low)) | 65.7 (70% (medium)) |
| content.faq | - | `[{"answer":"A platform that integrates with your existing bank accounts to manage payments, automate reconciliation processes, maintain financial records, and handle regulatory compliance requirements at scale. It is indexed under Fintech Infrastructure.","source":"https://www.moderntreasury.com","question":"What is Modern Treasury?","confidence":0.6},{"answer":"We have confirmed browser-based access to Modern Treasury. That is the extent of what we could verify from public sources, so it may well offer desktop or mobile clients we have not indexed.","source":"https://www.moderntreasury.com","question":"What platforms does Modern Treasury support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Modern Treasury, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.moderntreasury.com","question":"Can Modern Treasury be self-hosted?","confidence":0.6},{"answer":"We have confirmed 17 integrations for Modern Treasury, including Blue Ridge Bank, ACH, Wire, Check, FedNow, Stablecoins, Plaid and BMO, plus 9 more. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://www.moderntreasury.com","question":"What does Modern Treasury integrate with?","confidence":0.6},{"answer":"We have independently confirmed SOC 2 and GDPR for Modern Treasury. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as Modern Treasury not holding them. Always confirm compliance directly before you rely on it.","source":"https://www.moderntreasury.com/security","question":"What security certifications does Modern Treasury have?","confidence":0.7},{"answer":"Modern Treasury is available worldwide. Its primary market is the United States.","source":"https://www.moderntreasury.com","question":"Where is Modern Treasury available?","confidence":0.75}]` |
| deployment.options | - | `{"cloud":true}` |
| description.long | 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. | 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. |
| features.capabilities | `{"capability":"data_aggregation","geo_coverage":"North America","target_segment":"enterprise","data_aggregation":true,"payments_acquiring":true}` | `{"capability":"money_movement","money_rails":"ACH, Wire, Check, FedNow, Stablecoins","card_issuing":false,"geo_coverage":"Global (cross-border and multi-currency)","baas_accounts":true,"pricing_model":"usage","multi_currency":true,"target_segment":"platform","data_aggregation":true,"payments_acquiring":true,"payout_disbursement":true}` |
| integrations.count | 19,000 | 12 |
| integrations.list | `[{"name":"Advisor360°"},{"name":"IGG Software"},{"name":"PayPal"},{"name":"Norton","native":true,"category":"security","direction":"outbound"}]` | `[{"name":"Blue Ridge Bank"},{"name":"ACH"},{"name":"Wire"},{"name":"Check"},{"name":"FedNow"},{"name":"Stablecoins"},{"name":"Plaid","native":true,"category":"data_aggregation","direction":"bidirectional"},{"name":"BMO","native":true,"category":"banking","direction":"bidirectional"},{"name":"Commerce Bank","native":true,"category":"banking","direction":"bidirectional"},{"name":"Cross River","native":true,"category":"banking","direction":"bidirectional"},{"name":"First Pryority Bank","native":true,"category":"banking","direction":"bidirectional"},{"name":"Goldman Sachs","native":true,"category":"banking","direction":"bidirectional"},{"name":"Increase","native":true,"category":"banking","direction":"bidirectional"},{"name":"RBC Bank","native":true,"category":"banking","direction":"bidirectional"},{"name":"Regions Bank","native":true,"category":"banking","direction":"bidirectional"},{"name":"Silicon Valley Bank","native":true,"category":"banking","direction":"bidirectional"},{"name":"Texas Capital Bank","native":true,"category":"banking","direction":"bidirectional"},{"name":"US Bank","native":true,"category":"banking","direction":"bidirectional"}]` |
| market.availability | `{"primaryMarkets":["AU","US"],"availabilityScope":"global","availableCountries":["AU","US"],"notAvailableCountries":[]}` | `{"primaryMarkets":["US"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` |
| platform.support | - | `{"web":true}` |
| pricing | - | `{"type":"usage","summary":"Usage-based pricing that scales with platform volume","sourceUrl":"https://www.moderntreasury.com","retrievedAt":"2026-08-13T16:47:44.335Z"}` |
| pricing.free_tier | - | no |
| pricing.model | commercial | commercial |
| pricing.price_level | - | unknown |
| pricing.transparent | - | yes |
| reliability.sla_pct | - | 99.99 |
| reliability.status_page | - | yes |
| security.gdpr | yes | yes |
| security.pci | - | yes |
| security.soc2 | - | yes |
| security.trust_center | https://www.yodlee.com/documentation/yodlee-credit-privacy-notice | https://www.moderntreasury.com/journal/building-a-compliance-program |

## Capabilities (Fintech Infrastructure)

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

*Source: vioscaleAI. Generated 2026-10-16T20:15:32.313Z. "-" = undocumented, not absent.*