How is Modern Treasury Unifying Stablecoin Payments?

Modern Treasury has moved to bridge the gap between digital finance and traditional banking rails with the introduction of Payments – an integrated payment service provider (PSP) designed to streamline how companies build and scale money movement experiences.

The service is positioned as a launchpad for startups and product teams, particularly those looking to embed both fiat and stablecoin payments into their offerings.

By utilising Modern Treasury’s existing banking, blockchain and compliance infrastructure, the PSP aims to significantly reduce the time to market for new financial products.

Matt Marcus, Co-Founder and CEO of Modern Treasury, says: “Our mission is to build the most trusted platform for global money movement.

“Too many companies are held back by unreliable payments infrastructure and slow, complex bank integrations.

“With Payments, we’re giving teams a faster path to market than BaaS or securing their own bank sponsorships.

“Modern Treasury is your forever payments platform, scaling with customers as they grow.”

Bridging the infrastructure gap

The new PSP enables firms to programmatically open payment accounts and execute transactions via a broad range of rails, including ACH, wire, RTP/FedNow, push-to-card and stablecoins.

At launch, supported digital assets include USDG, USDP and USDC, with USDT expected to follow shortly.

Crucially, for enterprise users, Payments is built upon the same orchestration layer, ledger and reconciliation system that has already processed more than US$400bn for major industry players such as Gusto, Navan and Anchorage Digital.

For many builders, the appeal of the new service lies in its ability to circumvent the six- to 12-month onboarding timelines typically associated with securing bank sponsorships.

Modern Treasury claim that the PSP allows teams to “go live in days”.

The architecture is designed to support a “scale forever” model, where companies can start with the PSP and transition to direct bank partners as they grow, all while maintaining the same integration.

Dan Mottice, Head of Stablecoins at Modern Treasury, says: “Fiat payments are core to Modern Treasury’s DNA, and with Beam fully integrated, stablecoins are now part of that core.

“Today, most companies need multiple vendors to support fiat and stablecoin rails, then stitch everything together themselves.

“Payments removes that complexity.”

Embedding payments at scale

For software platforms and marketplaces, the ability to embed payments directly into the user experience is no longer a luxury but a requirement.

Modern Treasury's PSP addresses this by handling the heavy lifting of compliance, including KYC and KYB checks on platform users.

This level of automation allows companies to open accounts programmatically, each equipped with a full ledger for tracking balances and transaction histories.

The flexibility of the system has already attracted firms looking to move away from more restrictive Banking-as-a-Service (BaaS) models.

Dan continues: “With a single, integrated API, customers – from startups to multi-billion-dollar enterprises – can treat stablecoins as a first-class rail and connect them seamlessly to every other payment method they use.”

The stablecoin evolution

A significant portion of the launch focuses on the acceleration of stablecoin adoption within the enterprise.

By fully integrating its previous acquisition, Beam, Modern Treasury is treating digital assets as a primary payment rail rather than a niche add-on.

To bolster this ecosystem, Modern Treasury has established partnerships with leading infrastructure providers.

This includes working with Paxos to integrate regulated stablecoins and joining the Global Dollar Network.

Additionally, as a member of the Circle Alliance Program, the company is facilitating near-instant cross-border settlement and seamless USD conversion.

The efficiency of this integrated approach is already being noted by early adopters in the space, such as Sling Money.