# Modern Treasury vs TrueLayer

| Attribute | Modern Treasury | TrueLayer |
|---|---|---|
| **vioscaleAI score** | 65.7 (70% (medium)) | 61.8 (44% (low)) |
| 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}]` | `[{"answer":"A platform that lets businesses accept payments directly from customer bank accounts and manage payouts. It provides real-time transaction data and reduces fraud by eliminating traditional card networks. It is indexed under Fintech Infrastructure.","source":"https://truelayer.com","question":"What is TrueLayer?","confidence":0.6},{"answer":"We have confirmed browser-based access to TrueLayer. 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://truelayer.com","question":"What platforms does TrueLayer support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for TrueLayer, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://truelayer.com","question":"Can TrueLayer be self-hosted?","confidence":0.6},{"answer":"We have independently confirmed SOC 2, ISO 27001 and GDPR for TrueLayer. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as TrueLayer not holding them. Always confirm compliance directly before you rely on it.","source":"https://trust.truelayer.com","question":"What security certifications does TrueLayer have?","confidence":0.7},{"answer":"TrueLayer is available in the United Kingdom. Its primary market is the United Kingdom. The vendor is headquartered in the United Kingdom.","source":"https://truelayer.com","question":"Where is TrueLayer available?","confidence":0.75}]` |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | 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. | A platform that lets businesses accept payments directly from customer bank accounts and manage payouts. It provides real-time transaction data and reduces fraud by eliminating traditional card networks. |
| features.capabilities | `{"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}` | `{"capability":"data_aggregation","pci_dss_l1":false,"money_rails":"Pay by Bank (bank transfer based)","card_issuing":false,"geo_coverage":"Europe, UK primary","target_segment":"enterprise","data_aggregation":true,"psd2_open_banking":true,"payments_acquiring":true,"payout_disbursement":true}` |
| integrations.count | 12 | - |
| integrations.list | `[{"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":["US"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` | `{"hqCountry":"GB","primaryMarkets":["GB"],"availabilityScope":"regional","availableCountries":["GB"],"notAvailableCountries":[]}` |
| platform.support | `{"web":true}` | `{"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 | yes |
| security.disclosure_policy | - | yes |
| security.gdpr | yes | yes |
| security.iso27001 | - | yes |
| security.pci | yes | - |
| security.soc2 | yes | yes |
| security.trust_center | https://www.moderntreasury.com/journal/building-a-compliance-program | - |

## Capabilities (Fintech Infrastructure)

| Capability | Modern Treasury | TrueLayer |
|---|:--:|:--:|
| **Core** |  |  |
| Primary capability | Money movement | Data aggregation |
| **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 | Pay by Bank (bank transfer based) |
| **Coverage** |  |  |
| Multi-currency / cross-border | ✓ | - |
| Geographic coverage (countries / regions) | Global (cross-border and multi-currency) | Europe, UK primary |
| **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 | Platform / marketplace | Enterprise |

*Source: vioscaleAI. Generated 2026-10-16T18:33:27.951Z. "-" = undocumented, not absent.*