This week, Modern Treasury introduced Modern Treasury AI to address enterprise payments. Built on the company’s Payment Ops infrastructure, Modern Treasury AI blends a context-aware agent with a real-time workspace.
“AI is only as good as the data, and Modern Treasury is uniquely positioned to deliver the first AI capabilities with relevant payments context,” said Sam Aarons, co-founder and CTO of Modern Treasury. “We see the full payment lifecycle. We see the metadata, the reconciliation logic, the exceptions, and the outcomes. No one else has a contextualized dataset of trillions of datapoints on enterprise payments or the expertise in navigating them. Modern Treasury has the deepest, real-world understanding of how payments work, and that data foundation allows us to offer a powerful new experience for users.”
The AI Agent is auditable by design and delivers results built on existing connectivity and a deep understanding of how enterprise payment systems and workflows work. It responds in real-time to operational queries in plain language
Key features include:
AI: Operates following security and compliance requirements. The AI Agent only takes action when it’s approved to do so and will never let third-party model providers train on your data. With built-in permissions for each tool and user, as well as configurable human-in-the-loop approvals, you can ensure oversight and control.
Purpose-built intelligence: Combines company knowledge with Modern Treasury’s payments technology. The AI Agent draws from past transactions, fee structures, and system logic. It’s built on insights from trillions of data points in payment volume across various rails, customers, and edge cases.
Execution: Provides instant access to payment data, insights, and automation.
Modern Treasury connects to bank, ERP, and processor data.
Proactive monitoring: AI-powered monitoring continuously scans for anomalies, including duplicate payments, missing files, delays, and unexpected fees.
Automate workflows in one place: Create and manage workflows for recurring tasks, and track progress across teams and tools—all from one place with both individual and managerial views. No code needed. No more jumping between systems.
Work smarter: Collaborate with built-in commenting, task assignments, and AI-powered support. The AI Agent acts as an extension of your team, answering questions, surfacing insights, and helping resolve issues quickly. Centralized communication and AI-driven workflows keep teams aligned and efficient.
Institutional knowledge: Combine standard operating procedures, business logic, and fee structures with Modern Treasury’s payments expertise to create a central knowledge base.
“The AI Agent and Workspace are a major step forward in how modern companies run payments, transforming how and where work gets done,” said Dimitri Dadiomov, CEO and co-founder of Modern Treasury. “Teams have been reactive for too long, addressing issues only after they disrupt the business. These tools shift that paradigm so that organizations can manage payment ops proactively, with speed, intelligence, and control.”