# Modern Treasury vs Yapily

**Leader by Vioscale score:** Yapily

| Attribute | Modern Treasury | Yapily |
|---|---|---|
| **Vioscale score** | 69.2 (43% (low)) | 69.4 (22% (low)) |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | One API for multi-rail payments, programmable accounts, real-time reporting, and built-in compliance. Launch payment experiences in days rather than months. | Infrastructure platform for initiating payments and accessing financial data across consumer and business accounts through open banking APIs. |
| features.capabilities | `{"capability":"payments","money_rails":"ACH, wires, RTP/FedNow, push-to-card, stablecoins","geo_coverage":"United States","baas_accounts":true,"pricing_model":"usage","multi_currency":true,"target_segment":"platform","soc_attestation":"both","payments_acquiring":true,"payout_disbursement":true}` | `{"capability":"payments","money_rails":"Pay by Bank (VRP), Bulk Payments","geo_coverage":"19 countries: Belgium, Denmark, Estonia, Finland, UK, France, Portugal, Spain, I","target_segment":"platform","data_aggregation":true,"psd2_open_banking":true,"payments_acquiring":true,"payout_disbursement":true}` |
| integrations.count | - | 2,000 |
| platform.support | `{"web":true}` | `{"web":true}` |
| pricing | `{"type":"usage","summary":"Usage-based pricing that scales with volume. Platform access, payment rails, and compliance included. Minimum commitment required. Contact sales for exact pricing.","currency":"USD","freeTier":false,"sourceUrl":"https://www.moderntreasury.com","retrievedAt":"2026-08-03T11:56:12.924Z","billingPeriods":["year"]}` | - |
| 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 | - |
| security.pci | yes | - |
| security.soc2 | yes | - |

## Capabilities (Fintech Infrastructure)

| Capability | Modern Treasury | Yapily |
|---|:--:|:--:|
| **Core** |  |  |
| Primary capability | Payments/acquiring | Payments/acquiring |
| **Capabilities** |  |  |
| Payments / acquiring | ✓ | ✓ |
| Card issuing | - | - |
| Banking-as-a-service / accounts | ✓ | - |
| Data aggregation / open banking | - | ✓ |
| Payouts / disbursements | ✓ | ✓ |
| Money movement rails (ACH, RTP, wire, card) | ACH, wires, RTP/FedNow, push-to-card, stablecoins | Pay by Bank (VRP), Bulk Payments |
| **Coverage** |  |  |
| Multi-currency / cross-border | ✓ | - |
| Geographic coverage (countries / regions) | United States | 19 countries: Belgium, Denmark, Estonia, Finland, UK, France, Portugal, Spain, I |
| **Compliance** |  |  |
| PCI DSS Level 1 | - | - |
| SOC 1 / SOC 2 attestation | SOC 1 + SOC 2 | - |
| 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 | Platform / marketplace |

*Source: Vioscale. Generated 2026-08-07T00:02:22.062Z. "-" = undocumented, not absent.*