# Modern Treasury

> Build products that move money.

Modern Treasury is a payment operations platform that provides a unified API for businesses to move money via ACH, wire, RTP, FedNow, and stablecoins with built-in compliance and ledgering.

Modern Treasury provides infrastructure for companies building payment products, offering a unified API across ACH, wire, RTP, FedNow, and stablecoin rails. Users can initiate and track payments, maintain accurate balances through a real-time double-entry ledger, and automate reconciliation. The platform supports both an integrated PSP model for rapid onboarding and direct bank partnerships as companies grow to larger transaction volumes.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2018-01-01
- Profile: https://thegrid.id/profiles/modern_treasury

## Products

- [Modern Treasury Payments](https://thegrid.id/profiles/modern_treasury): Modern Treasury Payments is an integrated payment service provider that moves money across ACH, same-day ACH, domestic wires, RTP, FedNow, push-to-card, and stablecoin rails through a single API. The platform provides programmable customer accounts with KYC, KYB, and AML compliance, automated reconciliation, return management, and a payment operations dashboard with audit logs. It supports Stablecoin across multiple networks, with automated fiat-to-stablecoin conversion, wallet provisioning, and wallet screening included without a separate on-ramp vendor. Businesses can start with the integrated PSP and add direct bank relationships as they scale, within the same API integration. (Payments Infrastructure & Orchestration, Live, Main Product)
- [Modern Treasury Ledgers](https://thegrid.id/profiles/modern_treasury): Modern Treasury Ledgers is a managed accounting database that tracks financial transactions using double-entry accounting principles. The product provides a RESTful API with official SDKs for JavaScript, Java/Kotlin, Python, and Go. Developers can define account hierarchies of up to five levels, log and query double-entry transactions in real time, and configure auto-ledgering rules for payment orders. Supporting features include balance locking to prevent overdrafts, balance monitors with webhook alerts, account reconciliation against external bank balances, complete audit logs, and automated exports to data warehouses. Infrastructure provisioning, caching, and maintenance are fully managed. (Developer Tooling, Live)

## Links

- [Main](https://www.moderntreasury.com)
- [Blog](https://www.moderntreasury.com/journal)
- [Documentation](https://docs.moderntreasury.com/payments/docs/overview)
- [Privacy policy](https://www.moderntreasury.com/legal/privacy-policy)
- [Terms of Service](https://www.moderntreasury.com/legal/terms-of-use)
- [Twitter / X](https://twitter.com/ModernTreasury)
- [LinkedIn](https://www.linkedin.com/company/modern-treasury)
- [Instagram](https://www.instagram.com/ModernTreasury)
- [YouTube](https://www.youtube.com/@ModernTreasury)
- [GitHub](https://github.com/Modern-Treasury)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP