Modern Treasury
A payments platform whose Ledgers API keeps double-entry balances for wallets, card programs and FBO accounts.
Modern Treasury sells payment operations and a managed ledger. Ledgers records money movement as double-entry transactions through a REST API: a ledger holds ledger accounts, transactions and entries, and each transaction’s debits and credits must sum to the same amount.
Accounts can be nested in up to five levels of hierarchy with live balance aggregation, and each account carries posted, pending and available balances. Other features include balance locking against overdrafts, balance monitors with webhook alerts, auto-ledgering of payment orders, reconciliation of ledger accounts against bank balances and data warehouse exports.
The wider platform moves money over ACH, wires, RTP and FedNow, push-to-card, checks and stablecoins, with KYB and KYC and payment accounts backed by regulated partners. Modern Treasury sells on annual terms with usage-based pricing and a minimum commitment, and prices Ledgers in usage tiers. It names ClassPass among Ledgers users.
- Website
- moderntreasury.com
- Infrastructure layers
- Ledger infrastructure, payment operations
- Products (as published)
- Ledgers (double-entry ledger API, account hierarchies, balance locking, balance monitors, reconciliation)
Payments (ACH, wires, RTP/FedNow, push-to-card, checks, stablecoins)
Accounts and compliance (KYB/KYC, payment accounts through regulated partners) - Client types
- Fintechs, marketplaces, card, lending and payout programs (named Ledgers user: ClassPass)
- Regions served
- United States
- Pricing model (only if published)
- Annual terms, usage-based pricing, minimum commitment; Ledgers in usage tiers
- API documentation
- docs.moderntreasury.com
- Date checked
- Profile type
- Standard
Questions
What is Modern Treasury Ledgers?
How does Modern Treasury price Ledgers?
Does Modern Treasury require a bank partner?
See also
Sources
- Modern Treasury Ledgers
- Modern Treasury pricing
- Modern Treasury Docs: Ledgers objects
- Checked October 4, 2026.
Source: each provider’s own documentation, product pages, official announcements and filings, and official registers for licences, as linked in each profile. Fields a provider does not publish stay empty. How we build profiles: methodology.