Modern Treasury has unveiled Payments, a payment service provider (PSP) that unifies fiat and stablecoin transactions under a single API. Announced recently this month, the platform promises to eliminate the fragmentation that has long plagued teams building money-movement features into their products.
For years, developers have wrestled with disjointed vendor ecosystems, multi-month bank onboarding cycles, shifting regulatory requirements, and the constant need to rebuild infrastructure whenever a new payment rail launches.
Payments directly tackles these pain points by delivering an all-in-one solution that lets organizations launch quickly and scale indefinitely without re-engineering their core systems.
Breaking: there’s a new way to move money!
Today, we’re launching Payments, our integrated payment service provider (PSP) built to let teams move money easier than ever.
For too long, teams building payment products have had to juggle fragmented vendors, slow bank integrations,…
— Modern Treasury (@ModernTreasury) February 18, 2026
Using one developer-friendly API, teams can activate full payment capabilities in days instead of the typical six-to-twelve-month timeline.
The service supports a complete suite of rails—ACH (including same-day), domestic wires, RTP, FedNow, push-to-card, and stablecoins (USDC, USDG, and USDP today, with USDT and SWIFT support coming soon).
Every transaction flows through a shared ledger, giving companies real-time visibility, automatic reconciliation, and unified reporting across all methods.
Built-in compliance tools handle KYC/KYB onboarding, AML checks, fraud detection, and ongoing transaction monitoring, reducing risk while embedding these controls directly into the product experience.
Businesses can programmatically open accounts for users or counterparties, accept pay-ins, and execute payouts across any supported rail without stitching together multiple providers.
Scalability is engineered from the ground up.
Organizations start with Modern Treasury’s PSP and can later add direct bank relationships or custodian partners—all within the same integration and without code changes.
Pricing is usage-based, so costs grow only with actual volume rather than locking teams into rigid volume commitments.
The new PSP rests on the same battle-tested orchestration, ledgering, and reconciliation engine that has processed more than $400 billion in payments for clients including Anchorage Digital, Float, Gusto, Navan, Procore, and Sling Money.
That foundation delivers 99.99 percent uptime and consistently high customer satisfaction.
“We’re giving teams a faster path to market than BaaS or securing their own bank sponsorships,” said Matt Marcus, co-founder and CEO.
“Modern Treasury is designed to be your forever payments platform, scaling with you as your business grows.”
Early adopters echo this vision.
CEO Michael Davis cited the platform’s flexibility for complex flows such as SPV funding and borrower repayments.
Sling Money CEO Mike Hudack noted U.S. withdrawals now outperform popular consumer apps and highlighted the ability to handle higher volumes and enterprise-grade operations.
Anchorage Digital co-founder Nathan McCauley described how the system “wires the banking system directly into the digital asset economy” for crypto-speed execution backed by institutional-grade trust.
Strategic partnerships with Paxos, the Global Dollar Network, and the Circle Alliance Program—strengthened by the earlier Beam acquisition—ensure stablecoins function as first-class citizens alongside traditional rails, enabling seamless on- and off-ramps.
Payments is available immediately.
With this launch, Modern Treasury positions itself as the single infrastructure layer that lets fintechs, marketplaces, payroll platforms, and enterprise software companies embed payment experiences faster, more reliably, and with fewer long-term constraints.