Modern Treasury Launches Payments: An Integrated Payment Service Provider (PSP) for Fiat and Stablecoins

Modern Treasury today introduced Payments, an integrated payment service provider (PSP) that helps companies build modern money movement experiences. The PSP accelerates startups and product teams that embed fiat and stablecoin payments into their products, leveraging Modern Treasury’s banking, blockchain, and compliance infrastructure to get to market faster and with confidence. “Our mission is to build the most trusted platform for global money movement,” said Matt Marcus, co-founder and CEO of Modern Treasury. “Too many companies are held back by unreliable payments infrastructure and slow, complex bank integrations. With Payments, we’re giving teams a faster path to market than BaaS or securing their own bank sponsorships. Modern Treasury is your forever payments platform, scaling with customers as they grow.” Modern Treasury Payments enables companies to programmatically open payment accounts and make payments via ACH, wire, RTP/FedNow, push-to-card, and stablecoins, including USDG, USDP, and USDC (USDT coming soon). Under the hood, Payments is built on the same orchestration layer, ledger, and reconciliation system that has processed more than $400 billion for companies like Anchorage Digital, Float, Gusto, Navan, Procore, and Sling Money. Built to grow with customers from zero to scale Payments removes the most common barriers builders face as they launch and grow payment products:

• Go live in days, not months. Avoid 6-12 month bank onboarding timelines by launching with Modern Treasury’s payment accounts.
• One API for fiat and stablecoins. Get to market faster with a single API and unified ledger—no need to stitch together multiple vendors. Capture payment activity across every rail in one data warehouse.
• Scale forever. Modern Treasury can support companies of any size. Start with the PSP. Add direct bank partners as you grow, all within the same integration.
• Usage-based pricing. Pay as your platform grows, without committing to long-term, upfront volume.

Embedded Payments Across Fiat and Stablecoins Modern Treasury’s PSP is the solution for companies that need to embed payments in their product experiences. It is built for companies of any size that are adding money movement capabilities to their software platforms, launching marketplaces, building fintech apps, and more. By leveraging Payments, companies can:

• Onboard users. Modern Treasury performs KYC/KYB checks on platform users to ensure compliance.
• Open payment accounts. Companies can programmatically open accounts for moving money via fiat and stablecoin rails. Every account has a full ledger, including balances and transaction histories.
• Accept pay-ins and make payouts. Companies can choose the rail that best fits their use case. Payments enables money movement via ACH, wire, RTP/FedNow, push-to-card, and stablecoins.

“We outgrew BaaS-style platforms that introduced unnecessary restrictions and delays that slowed down our execution pace. We had been following Modern Treasury's growth and roadmap for years, and ultimately chose to move to their platform. We're excited to implement workflows that flex to the needs of our business, from SPV funding to borrower repayments, enabling us to be the modern, fast, dependable platform our customers expect us to be,” said Michael Davis, Founder and CEO of Homegrown. Accelerating Stablecoin Adoption “Fiat payments are core to Modern Treasury’s DNA, and with Beam fully integrated, stablecoins are now part of that core,” said Dan Mottice, Head of Stablecoins at Modern Treasury. “Today, most companies need multiple vendors to support fiat and stablecoin rails, then stitch everything together themselves. Payments removes that complexity. With a single, integrated API, customers—from startups to multi-billion-dollar enterprises—can treat stablecoins as a first-class rail and connect them seamlessly to every other payment method they use.” As part of the new offering, Modern Treasury is partnering with leading stablecoin infrastructure providers to make stablecoin payments simple and compliant for businesses. Building on its Beam acquisition, Modern Treasury has partnered with Paxos to integrate regulated stablecoins and settlement into its platform and has joined the Global Dollar Network to support broader stablecoin adoption. The company is also a member of the Circle Alliance Program, enabling near-instant cross-border settlement with stablecoins and seamless conversion between USD across major U.S. payment rails. “With Beam, we’ve found that our withdrawals in the U.S. are faster than those of Venmo and Cash App. Now that Beam has fully integrated into Modern Treasury's robust platform, we’re excited to leverage the new PSP to support higher volumes, more complex flows, and enterprise-grade payment operations,” said Mike Hudack, CEO of Sling Money.