Modern Treasury provides payment operations software that automates the full cycle of money movement, including initiation, approvals, reconciliation, and tracking across rails like ACH, wires, RTP, FedNow, and stablecoins. Their API-first platform integrates with banks and offers ledgers for visibility, serving enterprises in sectors such as real estate, healthcare, education, and financial services. Founded in 2018 and backed by investors including Y Combinator and Benchmark, the company has processed over $300B in payments.