# 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 is a payment operations company that provides infrastructure for businesses building payment products. It offers a unified API across bank rails such as ACH, wire, RTP, and FedNow alongside stablecoin transfers, letting companies move money without integrating each rail separately. The platform is aimed at businesses that need to launch payment experiences quickly rather than building this infrastructure from scratch. The company addresses the problem that building payment infrastructure typically requires long bank onboarding periods and separate integrations for each rail and settlement method. Its platform combines an integrated payment service provider model for rapid onboarding with the option to add direct bank partnerships as transaction volumes grow, without requiring a new integration. A real-time double-entry ledger tracks balances, and automated reconciliation matches transactions across the supported rails. Core offerings include Payments, Stablecoins, and Ledgers, which together support use cases such as cross-border transfers, digital wallets, embedded ACH, lending, payroll, and rewards programs. Programmable accounts allow platforms to open named accounts for individuals and businesses that combine fiat and stablecoin balances under one ledger. It is used by companies across financial services, commerce, lending, and payroll that need to move and track money across multiple payment methods. - 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 stablecoins across multiple blockchain 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 payment service provider 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) ## Relationships - [Beam](https://thegrid.id/profiles/Beam): Subsidiary ## 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. 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