The platform includes programmatic account opening, KYC and KYB verification, a unified ledger, and a usage-based pricing model.
Modern Treasury introduced Payments, an integrated payment service provider that combines traditional rails and stablecoins within a single infrastructure. The company added stablecoin settlement to the same system businesses already use for ACH transfers, wire payments, and real-time payment networks such as RTP and FedNow. The platform supports USDG, USDP, and USDC, with USDT expected to be added at a later stage.
The integration was made possible through the acquisition of Beam, a stablecoin and fiat payments platform the company purchased in October. In addition, Modern Treasury established a partnership with Paxos to integrate regulated stablecoins and settlement capabilities into its system. The company also joined the Global Dollar Network and participates in the Circle Alliance Program, expanding the use of USDC in payments and financial services.
Payments enables companies to programmatically open payment accounts and move money via ACH, wire, RTP/FedNow, push-to-card, and stablecoins. Each account includes a complete ledger with balances and transaction histories. The infrastructure is built on the same orchestration layer, ledger, and reconciliation system that has processed more than $400 billion for companies such as Anchorage Digital, Float, Gusto, Navan, Procore, and Sling Money.
The new system unifies fiat payments and digital assets under a single compliance framework. Companies no longer need multiple providers or separate technical integrations to process traditional and crypto-based payments. A single API connects all rails and centralizes information within one data system.
Modern Treasury included KYC and KYB verification for users, account opening, fund collection, and payment issuance. The pricing model is usage-based and allows companies to begin operations without long-term volume commitments. Companies can start with the PSP and add direct banking partners as they scale, while maintaining the same integration.
The offering is aimed at companies that embed payments into their products, develop marketplaces, or launch fintech applications, combining banking infrastructure, blockchain, and compliance into a single solution
