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 the 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.
Grades measure one thing: can a customer's engineering team get their own data out programmatically? We check six things (whether a real API exists, how access is gated, data coverage, auth quality, docs and developer experience, and stability) and roll them into a letter grade. Grades get re-verified, and they only move on evidence.