# Modern Treasury vs Nium

**Leader by Vioscale score:** Modern Treasury

| Attribute | Modern Treasury | Nium |
|---|---|---|
| **Vioscale score** | 67.1 (73% (medium)) | 61.1 (14% (low)) |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | Infrastructure platform for fiat and stablecoin payments. One API across ACH, FedNow, wires, checks, and stablecoins with programmable accounts, real-time reporting, and ledger-based compliance. | Global payments platform enabling multi-currency accounts, physical and virtual card issuance, and international payouts to 190+ countries with real-time processing available in 100+ countries. |
| 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":"money_movement","money_rails":"Accounts, cards, wallets","card_issuing":true,"geo_coverage":"190+ countries","baas_accounts":true,"pricing_model":"quote","multi_currency":true,"target_segment":"enterprise","data_aggregation":true,"payments_acquiring":true,"payout_disbursement":true}` |
| integrations.count | 30 | - |
| integrations.list | `[{"name":"Blue Ridge Bank"},{"name":"ACH"},{"name":"Wire"},{"name":"Check"},{"name":"FedNow"},{"name":"Stablecoins"}]` | - |
| market.availability | `{"hqCountry":"US","primaryMarkets":["US"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` | `{"hqCountry":"SG","primaryMarkets":["SG","GB","US"],"availabilityScope":"global","availableCountries":[],"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.gdpr | yes | yes |
| security.pci | yes | - |
| security.soc2 | yes | - |

## Capabilities (Fintech Infrastructure)

| Capability | Modern Treasury | Nium |
|---|:--:|:--:|
| **Core** |  |  |
| Primary capability | Money movement | 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 | Accounts, cards, wallets |
| **Coverage** |  |  |
| Multi-currency / cross-border | ✓ | ✓ |
| Geographic coverage (countries / regions) | Global (cross-border and multi-currency) | 190+ countries |
| **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 | Quote / platform fee |
| **Market** |  |  |
| Target segment | Platform / marketplace | Enterprise |

*Source: Vioscale. Generated 2026-09-01T14:46:38.820Z. "-" = undocumented, not absent.*