Modern Treasury Launches Unified Payment Service for Fiat and Stablecoins

The team at Modern Treasury, a platform for payment operations automation and treasury management, unveiled Payments, an integrated payment service provider (PSP) designed to help companies build modern money movement systems.

The new service targets companies embedding payment functionality into their own products, marketplaces, and FinTech applications. Payments enables programmatic control over payment infrastructure and supports multiple payment rails through a single API.

The service covers the full embedded payments lifecycle, including:

• conducting KYC and KYB verification checks;
• opening accounts with a dedicated balance ledger and transaction history;
• accepting incoming payments;
• sending payouts through various payment channels.

Companies can automatically create payment accounts for their users or counterparties via API, without manual interaction with banks. Each account comes with its own ledger, balance, and transaction history, simplifying accounting and reconciliation.

Payments supports a wide range of financial operations, including:

• ACH transfers. Support for the automated clearing house (ACH) network enables batch and recurring payments in the United States and is commonly used for low-cost settlements with customers, contractors, and partners.
• Bank wires. A tool for urgent and high-value transfers through the banking system, requiring fast settlement and finality.
• Instant payment networks. Integration with real-time payments (RTP) and FedNow ensures real-time fund settlement 24/7.
• Push-to-card. A mechanism for crediting funds directly to a recipient’s bank card, enabling fast payouts to individuals without needing full bank account details.
• Regulated stablecoin support. The platform supports transfers and settlements in dollar-pegged stablecoins USDG, USDP, and USDC. The company also plans to integrate USDT.

According to Matt Marcus, Co-Founder and CEO of Modern Treasury, the launch of Payments aims to reduce time-to-market for payment products. He noted that traditional bank integrations can take six to twelve months, whereas the new service offers an alternative to BaaS models, allowing companies to launch payment infrastructure within days. Marcus also emphasized that as businesses scale, they can onboard direct banking partners while maintaining the same single API integration. Technologically, the solution is built on the same orchestration, ledgering, and reconciliation system used by Modern Treasury’s clients.

In 2026, the payments market entered a phase of rapid transformation, with stablecoin-based solutions, instant settlement systems, and AI technologies becoming the new standard for businesses.