Modern Treasury API
Modern Treasury exposes a public, self-serve REST API at api.moderntreasury.com with a public OpenAPI spec and official SDKs in six languages. Auth is HTTP Basic with an org ID and API key. Payment orders, ledgers, counterparties, and HMAC-signed webhooks cover the full product surface.
Frequently asked questions
Modern Treasury scores A on Supergood's API Report Card. Modern Treasury exposes a public, self-serve REST API at api.moderntreasury.com with a public OpenAPI spec and official SDKs in six languages. Auth is HTTP Basic with an org ID and API key. Payment orders, ledgers, counterparties, and HMAC-signed webhooks cover the full product surface.
Modern Treasury has a workable official integration path. Most engineering teams can build against it directly. Open API: self-serve, documented, with SDKs
Modern Treasury is a San Francisco-headquartered payment operations and money-movement infrastructure platform founded in 2018 by Dimitri Dadiomov, Matt Marcus, and Sam Aarons (all ex-LendingHome).
Vertical: Financial Services (payment operations / money movement infrastructure / embedded fintech). Initiating outbound ACH, wire, RTP, FedNow, book transfer, international wire, Global ACH, and check payments via REST API.
High within the payment-operations infrastructure category.
Payment orders across rails (ACH, wire, RTP, FedNow, book, intl wire, Global ACH, check, stablecoin) with status, amount, direction, originating/receiving accounts, and timing. Real-time ledger balances and double-entry ledger entries backing every dollar moved.
Founded in 2018; ~8 years old as of 2026. Modern Treasury is fully cloud-native, API-first, OpenAPI-spec-driven, with first-party SDKs in six languages and webhook-centric event delivery.
Supergood's grades measure one thing: can a customer's engineering team get their own data out programmatically? Supergood checks six things (whether a real API exists, how access is gated, data coverage, auth quality, docs and developer experience, and stability) and rolls them into a letter grade. Supergood re-verifies grades, and they only move on evidence.
Modern Treasury scores GOOD on MCP availability. Modern Treasury ships an official MCP server as the modern-treasury-mcp npm package, maintained in its Node SDK repository with setup instructions in the package README and releases as recent as July 2026.
Yes. Modern Treasury publishes an official MCP server, so MCP clients like Claude, Cursor, and Codex can connect to it directly. Setup instructions are in the vendor's documentation.