# moderntreasury.com

> AI-optimized mirror of moderntreasury.com containing 50 pages totalling 41,087 words of clean markdown content, structured data, and semantic HTML. Original source: https://moderntreasury.com. Last updated: 2026-09-02T02:52:55.278Z.

Each page is available as HTML (with JSON-LD structured data) and Markdown (text-only, ideal for LLMs and RAG).

## Homepage

- [Modern Treasury - Build Products That Move Money](/content/site-root.html): Launch payment operations in days, not months. One API for multi-rail payments with programmable accounts, real-time reporting, and built-in compliance. (371 words)

## Articles & Blog Posts

- [Customers](/content/customers/index.html): Payment operations software for any use case. Modern Treasury helps companies of all sizes move money with confidence. (323 words)
- [What is FedNow?](/content/learn/what-is-fednow/index.html): FedNow is a new payment rail that enables faster bank payments for financial institutions of any size, in any community, 365 days of the year. (1,617 words)
- [Press Releases | Modern Treasury](/content/newsroom/press-releases/index.html): Read the latest company announcements and product updates from Modern Treasury. (1,492 words)
- [A Checklist for Bank Due Diligence | Modern Treasury Journal](/content/journal/a-checklist-for-bank-due-diligence/index.html): Any company that wants to work directly with a bank must successfully complete the bank due diligence process. This Journal provides an actionable checklist for companies preparing for this process with a bank partner. (1,116 words)
- [A Short History of Ledgers](/content/journal/history-of-ledgers/index.html): Explore notable moments in the history of ledgers that have evolved to be immutable, double-entry, and scalable. (715 words)
- [Upgrading Postgres Clusters With Minimal Downtime](/content/journal/upgrading-postgres-clusters-with-minimal-downtime/index.html): Learn how to upgrade Amazon Aurora PostgreSQL from 14 to 17 with zero downtime using a custom Blue/Green deployment, logical replication, and fully automated cutover. (1,227 words)
- [Modern Treasury vs Stripe Connect | Compare B2B Payments](/content/compare/modern-treasury-vs-stripe-connect/index.html): Compare Modern Treasury and Stripe Connect. See how a fully managed payment service provider built for B2B platforms differs from marketplace-first payment infrastructure. (704 words)
- [What Happens When the Fed Goes Down?](/content/journal/what-happens-when-the-fed-goes-down/index.html): The Federal Reserve (“The Fed”) promotes the stability of the financial system, including playing an important role in maintaining the integrity of the US payments system. What happens when the FedACH, FedWire, and National Settlement Service are offline?  (616 words)
- [Why We Built Ledgers](/content/journal/why-we-built-ledgers/index.html): We recently announced Ledgers, our new product that helps businesses manage their books. Here's the story behind why we built it. (575 words)
- [Why We Built Payments | Modern Treasury](/content/journal/why-we-built-payments/index.html): When we started Modern Treasury in 2018, we set out to fix an unglamorous problem, one we knew well from personal experience: moving money is difficult. (865 words)
- [Solana Foundation Selects Modern Treasury for Solana Developer Platform Payments Infrastructure](/content/newsroom/press-releases/solana-foundation-selects-modern-treasury-as-a-payments-infrastructure-partner-for-solana-developer.html): Modern Treasury has been selected as a payments infrastructure partner for the Solana Developer Platform, giving enterprises access to accounts, ledgering, compliance controls, and U.S. payment rails. (729 words)
- [The Clarity Act and the Future of Stablecoin Payments Infrastructure](/content/journal/the-clarity-act-what-it-means-for-fintech-and-the-future-of-payments.html): The Clarity Act could redefine digital asset regulation and accelerate stablecoin adoption across fintech and payments infrastructure. Here’s what it means for the future of money movement. (1,987 words)
- [What is Fedwire? The Fedwire Funds Transfer System](/content/learn/fedwire/index.html): Fedwire is a real-time gross settlement transfer system operated by the Federal Reserve Banks in the U.S. that enables same-day fund transfers. (453 words)
- [Modern Treasury Acquires Beam to Expand Instant Payments Leadership with Stablecoins](/content/newsroom/press-releases/modern-treasury-acquires-beam/index.html): Together, they create a comprehensive payments infrastructure that unites instant fiat and stablecoin payments — challenging card-first platforms. (597 words)
- [Modern Treasury Partners with Persona to Enhance Business Onboarding and Compliance](/content/newsroom/press-releases/modern-treasury-partners-with-persona-to-enhance-business-onboarding-and-compliance.html): This partnership builds on Modern Treasury’s compliance infrastructure with more flexible verification tools to help businesses onboard customers faster. (576 words)
- [AvidXchange scales accounts payable payments with Modern Treasury](/content/customers/avidxchange/index.html): AvidXchange is a leading provider of accounts payable automation and payment solutions. They use Modern Treasury's single API to manage multiple bank integrations for AvidPay, ensuring bank redundancy, operational continuity, and the flexibility to add new payment rails as they become available — all while supporting over 8,000 buyer customers and 1.2 million supplier customers. (523 words)
- [Events | Modern Treasury](/content/events/index.html): Join us at upcoming events, webinars, and conferences. Learn about payment operations, financial automation, and modern treasury management. (556 words)
- [Anchorage Digital Selects Modern Treasury to Power Money Movement Infrastructure](/content/newsroom/press-releases/anchorage-digital-selects-modern-treasury-to-power-money-movement-infrastructure.html): Anchorage Digital selects Modern Treasury to power money movement infrastructure. The partnership enables Anchorage Digital to scale faster and simplify payments through robust money movement and ledgering infrastructure. (492 words)
- [Modern Treasury Adds Physical and Digital Check Payments to Its Unified Payments API](/content/newsroom/press-releases/modern-treasury-adds-physical-and-digital-check-payments-to-its-unified-payments-api.html): Modern Treasury’s PSP now supports physical and digital checks through one API alongside ACH, wires, RTP, FedNow, push-to-card, and stablecoins. With built-in ledgering and AML controls, businesses can launch faster, cut operational overhead, and reconcile every payment in one place. (648 words)
- [How do Money Transmission Laws Work?](/content/journal/how-do-money-transmission-laws-work/index.html): This is an overview of current laws for money transmission, the rationale behind them, and regulations and exemptions to needing a money transmitter license in the US. (2,045 words)
- [Recon Diaries Entry 1: Cash Reconciliation Explained | Modern Treasury Journal](/content/journal/recon-diaries-entry-1-cash-reconciliation-explained.html): In the first part of this series, we walk through a cash reconciliation example to show best practices and why it matters for the health of a business. (1,503 words)
- [Behind the Scenes: How Modern Treasury Ensures Payment Reliability at Scale](/content/journal/behind-the-scenes-how-mt-ensures-payment-reliability-at-scale.html): We recently held a Tech Talk focused on how Modern Treasury ensures reliability at scale. Here, we take a deep dive into the discussion and the insights shared by members of our engineering team. (2,418 words)
- [What is Real-Time Gross Settlement (RTGS)?](/content/learn/what-is-real-time-gross-settlement-rtgs/index.html): Real-Time Gross Settlement (RTGS) is an electronic form of funds transfer, where the transactions are processed individually and in real time. (282 words)
- [Interoperability Between RTP and FedNow | Modern Treasury Journal](/content/journal/interoperability-between-rtp-and-fednow/index.html): RTP and FedNow have a lot in common, but they are not the same payment rail. In this journal, we discuss how the two systems can achieve interoperability. (1,260 words)
- [The 10-Provider Payment Stack](/content/journal/the-10-provider-payment-stack/index.html): The modern payment stack spans 10 provider categories, from execution PSPs to stablecoin networks. No single provider covers the full lifecycle. Here's what each layer does and what's still missing.  (1,366 words)
- [Navan reimagines expense management with help from Modern Treasury](/content/customers/navan/index.html): Navan (fka TripActions) is an end-to-end travel and expense management platform serving more than 8,800 customers all over the world. They use Modern Treasury's payments product to programmatically initiate, track, and reconcile employee reimbursements across 6 bank payment methods using a single API. The Modern Treasury web application provides their operations team with real time visibility into payment flows. Plus, the reliability of the platform ensures Navan can scale payment volumes effortlessly. (1,109 words)
- [ACH API - Modern Treasury](/content/learn/ach-api/index.html): ACH APIs enable companies with high transaction volumes to write software that automates payments over the ACH network. (943 words)
- [What is a Reconciliation API?](/content/learn/what-is-a-reconciliation-api/index.html): A reconciliation API is an advanced software tool designed to automate the complex and often time-consuming process of reconciling financial data across multiple systems. (1,562 words)
- [Automatiq Transforms Marketplace Payments with Modern Treasury](/content/customers/automatiq/index.html): Automatiq is a ticket resale automation platform that powers intelligent ticket pricing and distribution at scale. Their solutions help customers optimize ticket sales and returns with data-driven insights. Automatiq helps clients sell over $9B in ticket inventory per year.

Automatiq turned to Modern Treasury when powering money movement for its B2B Marketplace. The company delivered faster, more cost-efficient transactions using Modern Treasury’s Payments and Ledgers products. Thanks to its partnership with Modern Treasury, Automatiq was able to launch its product faster, resulting in better customer experiences and a more profitable business. (1,246 words)
- [Payments At Scale: Our Conversation on Current and Future Payment Operations](/content/journal/payments-at-scale-our-conversation-on-payment-operations.html): In last week's webinar, Modern Treasury's COO Rachel Pike and Bain's Expert Partner Erin McCune discussed our latest payment operations report and current trends like real-time payments and AI. (1,082 words)
- [Updated Dashboard](/content/journal/updated-dashboard/index.html): We are excited to launch a new dashboard today. (599 words)
- [The PSP You Integrated Five Years Ago](/content/journal/the-psp-you-integrated-five-years-ago/index.html): The traditional PSP model is breaking. Learn why payment visibility, real-time ledgering, and systems of record are essential for modern payments. (862 words)
- [Title & Escrow's Paper Problems](/content/journal/title-and-escrows-paper-problems/index.html): Here, we’ll look closer at opportunities to update the historical methods used in title and escrow transactions and how the future of payment operations can take this well-established industry into the future.  (949 words)
- [What is a FedNow API?](/content/learn/what-is-a-fednow-api/index.html): A “FedNow API,” or Application Programming Interface, is an interface used to complete transactions through the FedNow Service, the Federal Reserve’s real-time payment system. (802 words)
- [What is the timeline for FedNow?](/content/questions/what-is-the-timeline-for-fednow/index.html): The timeline for FedNow launch is July 20th, 2023. (290 words)
- [What is Idempotency and Why It Matters in Payments](/content/journal/why-idempotency-matters-in-payments/index.html): In this By The Numbers Journal, we explain what being idempotent means and why it is important for systems that handle payments like we do at Modern Treasury. (763 words)
- [ACH Timings](/content/journal/ach-timings/index.html): ACH money movement is a common payment method for money transfers or automated payments. It’s relatively easy and cheap, but timing can be confusing. Since we get so many questions around ACH timings, we wanted to clear up timing for companies utilizing ACH and what they can expect. (452 words)
- [How to Scale a Ledger, Part III | Modern Treasury Journal](/content/journal/how-to-scale-a-ledger-part-iii/index.html): In the third part of this series, we'll look at how Transaction models enable atomic money movement and enforce double-entry. (561 words)
- [What are the three golden rules of accounting?](/content/questions/what-are-the-three-golden-rules-of-accounting/index.html): The three golden rules of accounting are... (414 words)
- [Modern Treasury Journal - A Beginner's Guide to Payment Operations](/content/journal/beginners-guide-to-payment-operations/index.html): Payment operations are the workflows that move money for companies, from payment initiation and processing approvals, to reconciliation and managing transaction issues. (741 words)
- [What are Cross-Border Stablecoin Payments?](/content/learn/what-are-cross-border-stablecoin-payments/index.html): Cross-border stablecoin payments let companies move money across countries using digital dollars. Instead of routing through banks and correspondent networks, funds move directly on blockchain rails for instant settlement. (440 words)
- [What is the maximum amount for FedNow?](/content/questions/what-is-the-maximum-amount-for-fednow/index.html): The maximum amount for a FedNow credit transfer will be $100,000.  (234 words)
- [What is Transaction Reconciliation?](/content/learn/what-is-transaction-reconciliation/index.html): Transaction reconciliation is the process of matching two different data sets at the transaction level. This allows companies to verify that transactions have happened appropriately. (605 words)
- [What is FDIC Receivership?](/content/learn/what-is-fdic-receivership/index.html): The Federal Deposit Insurance Commission (FDIC) was created to protect deposit holders in the event of a bank failure. In this article we explain how FDIC receiverships work. (353 words)
- [Modern Treasury Integrates With Polygon to Accelerate Stablecoin Payments](/content/newsroom/press-releases/modern-treasury-integrates-with-polygon-to-accelerate-stablecoin-payments.html): This integration brings USDC on Polygon into Modern Treasury’s Payments API, enabling teams to manage compliance, accounts, ledgering, and payments in one unified platform. (587 words)
- [Announcing Stablecoin Payment Accounts | Modern Treasury Journal](/content/journal/announcing-stablecoin-payment-accounts/index.html): Introducing Stablecoin Payment Accounts (SPAs). SPAs offer a faster, more flexible way to move money domestically and internationally—no FBO (For Benefit Of) account required.  (538 words)
- [Why use ACH instead of wire transfer?](/content/questions/why-use-ach-instead-of-wire-transfer/index.html): The biggest reason to use ACH instead of a wire transfer is cost. ACH payments are usually much less expensive than wires. (380 words)
- [What Is Stablecoin Mint and Burn?](/content/learn/what-is-stablecoin-mint-and-burn/index.html): Stablecoin “mint and burn” refers to how stablecoins enter and exit circulation. These processes maintain price stability and ensure the number of tokens matches the value held in reserve. (232 words)

## About Pages

- [About | Modern Treasury](/content/about/index.html): Modern Treasury builds payment operations software. Use our tools through web application or API to manage the full cycle of money movement—from payment initiation, through approvals, to reconciliation. (287 words)

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