Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 39 companies across 5 categories.
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Modern Treasury started as a payment operations platform providing an API and dashboard over corporate bank accounts (ACH, wire, RTP, FedNow) with automated reconciliation and a proprietary ledger. It has since expanded into cross-border/FX, lending infrastructure, and stablecoin (USDC) rails, positioning itself as unified payments infrastructure for both fiat and stablecoin money movement. The platform is used by embedded finance companies (e.g., Check for payroll) to launch products faster.
Other Treasury Management providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/modern-treasury/install" width="1" height="1" alt="" style="display:none">39 companies disclose Modern Treasury in their stack in the Embedded Finance Index 2026, including Bilt, Korber, ClassPass, Anchorage Digital, Goldman, ProducePay, Valon, Gusto, Sana, Capchase and 2 others.
Modern Treasury is an embedded-finance provider in Treasury Management, Ledger, FX / Payouts, BaaS and PSP. It ranks #1 of 44 Treasury Management providers by disclosed buyers.
Modern Treasury has applied for a national trust bank charter for Modern Treasury National Trust Bank with the OCC. Status: application filed (2026-10-05).
The most-disclosed Treasury Management alternatives to Modern Treasury are Brex Treasury (37 buyers), Stripe Treasury (16 buyers), TreasurUp (8 buyers), Brex (4 buyers), IntraFi (4 buyers) and JPMorgan (3 buyers).
Modern Treasury is founded in 2018 and headquartered in San Francisco, California, United States.
Modern Treasury has raised $183M in total.
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