Modern Treasury
US · San Francisco, California · N/A — middleware provider
Modern Treasury is a BaaS Provider based in US (San Francisco, California), regulated by N/A — middleware provider. The institution operates an active Banking-as-a-Service program, launched in 2018.
Modern Treasury supports the following products and services: Payments, Accounts, Lending. The bank serves customers across US.
Notable fintech partners include Lithic, Marqeta, Galileo (complements card issuers).
- Products Supported
- PaymentsAccountsLending
- Geographies Served
- US
- Charter / Regulator
- N/A — middleware provider
- API Standards
- REST API
- Minimum Deal Size
- Not publicly disclosed
- Year Program Launched
- 2018
Lithic, Marqeta, Galileo (complements card issuers)
None confirmed active
Focuses on payment operations and ledgering rather than full-stack BaaS. Acquired Beam (Oct 2025). Supports ACH, wire, RTP, stablecoin payments, reconciliation.
Spritz Selects Modern Treasury to Unify Multi-Rail Consumer Payments
Spritz selected Modern Treasury to power its fiat and stablecoin payment infrastructure. The integration lets Spritz move funds between USD and USDC while supporting ACH, RTP, and push-to-card through a single API. Financial terms were not disclosed.
Modern Treasury Launches Payments PSP Unifying Fiat and Stablecoin Rails
Modern Treasury launched its Payments PSP, unifying fiat payment methods (ACH, wire, RTP/FedNow, push-to-card) and stablecoin payments through a single API. The platform includes KYC/KYB, account opening, and real-time ledger capabilities. It targets marketplaces and fintech apps seeking streamlined money movement.
Modern Treasury and Goldman Sachs Partner on Integrated Payments for Corporates
Modern Treasury and Goldman Sachs partnered to provide integrated software and payments solutions to corporate customers. The collaboration targets mid-market companies seeking embedded finance access. It combines Modern Treasury's payment operations platform with Goldman Sachs' transaction banking capabilities.