Modern Treasury
Build Products That Move Money
- Also known as
- modern-treasury
What is Modern Treasury?
One API for multi-rail payments, programmable accounts, real-time reporting, and built-in compliance. Launch payment experiences in days rather than months.
Modern Treasury pricing
We don't have Modern Treasury's full plan breakdown yet (its pricing page resisted automated reading). Here's what we could confirm. Always check live pricing for exact numbers.
Usage-based pricing that scales with volume. Platform access, payment rails, and compliance included. Minimum commitment required. Contact sales for exact pricing.
What Modern Treasury does
The capabilities that matter for fintech infrastructure, normalised so it lines up with every alternative. “-” means we haven't confirmed it, not that it's missing.
- Primary capability
- Payments/acquiring
- 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
- Multi-currency / cross-border
- ✓
- Geographic coverage (countries / regions)
- United States
- PCI DSS Level 1
- -
- SOC 1 / SOC 2 attestation
- SOC 1 + SOC 2
- PSD2 / Open Banking licensed
- -
- SDK language coverage (Node, Python, Ruby, Java, Go)
- -
- Pricing model
- Usage / per API call
- Target segment
- Platform / marketplace
Platform & deployment
Independently observed- Web
- Cloud / SaaS
Modern Treasury alternatives
Other fintech infrastructure we track, ranked by the same independent score.
- AdyenOne platform for payments, data, and financial productsmedium · 50%
- AirwallexTrusted Global Payments & Financial Platformlow · 34%
- YapilyOpen banking platform for frictionless financelow · 22%
- TrueLayerEurope's leading open banking platformlow · 35%
- PlaidPayments, onboarding, lending, and financial data — all through one API platform.medium · 63%
- CurrencycloudMoving money shouldn't be hardlow · 13%
The Vioscale score: one lens on the evidence
Not user reviews and not a paid placement: a confidence-weighted blend of the independent signals below (adoption, activity, security posture, and more), which you can sort and re-weight yourself. Vendors can correct their listing but can never move their rank, and stars are weighted low as a vanity metric. It is one way to read the evidence for Modern Treasury, not the verdict.
| Signal | Score | Weight | Contribution | Evidence |
|---|---|---|---|---|
| Security Posture | 60 | 30.00 | 1800.0 | ✓ |
| Reliability | 100 | 16.00 | 1592.0 | ✓ |
| Capabilities | 67 | 20.00 | 1342.4 | ✓ |
| Pricing Transparency | 55 | 12.00 | 660.0 | ✓ |
| Price Level | 0 | 8.00 | 0.0 | - |
| Integrations | 0 | 14.00 | 0.0 | - |
Computed . Re-weight it by intent, or see the full method.
All data & sourcesshow ↓
Every value we hold, with its source, retrieval date, and confidence. This is the evidence behind the score: don't trust it, verify it.
Features
| Attribute | Value | Evidence |
|---|---|---|
| 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} | mediumsource · 2026-08-03 · 60% |