# Modern Treasury

**Canonical:** https://apis.io/providers/modern-treasury/  
**Website:** https://www.moderntreasury.com/  
**APIs profiled:** 44

Modern Treasury is a money movement platform unifying ACH, wires, RTP, checks, FX, and reconciliation across multiple bank partners. Operates as the financial operations system of record.

## Kin Score — 42.0 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 42.0).

| Facet | Score |
|---|---|
| Discoverability | 64.8 |
| Contract Quality | 57.8 |
| Governance | 9.8 |
| Contract Governance | 9.8 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 17.9 |
| Commercial Clarity | 52.6 |
| Access Clarity | 52.6 |

Regulatory layer — **Payments**: 48.4 (matched via tags).

## Agent readiness — 45.6 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | verified |
| Error Semantics | verified |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: high).

## APIs (44)

- **Modern Treasury AccountCapability API** — The AccountCapability API from Modern Treasury — 1 operation(s) for accountcapability.
- **Modern Treasury AccountCollectionFlow API** — The AccountCollectionFlow API from Modern Treasury — 2 operation(s) for accountcollectionflow.
- **Modern Treasury AccountDetail API** — The AccountDetail API from Modern Treasury — 2 operation(s) for accountdetail.
- **Modern Treasury BalanceReport API** — The BalanceReport API from Modern Treasury — 2 operation(s) for balancereport.
- **Modern Treasury BulkRequest API** — The BulkRequest API from Modern Treasury — 2 operation(s) for bulkrequest.
- **Modern Treasury BulkResult API** — The BulkResult API from Modern Treasury — 2 operation(s) for bulkresult.
- **Modern Treasury Connection API** — The Connection API from Modern Treasury — 1 operation(s) for connection.
- **Modern Treasury ConnectionLegalEntity API** — The ConnectionLegalEntity API from Modern Treasury — 2 operation(s) for connectionlegalentity.
- **Modern Treasury Counterparty API** — The Counterparty API from Modern Treasury — 3 operation(s) for counterparty.
- **Modern Treasury Document API** — The Document API from Modern Treasury — 6 operation(s) for document.
- **Modern Treasury Event API** — The Event API from Modern Treasury — 2 operation(s) for event.
- **Modern Treasury ExpectedPayment API** — The ExpectedPayment API from Modern Treasury — 2 operation(s) for expectedpayment.
- **Modern Treasury ExternalAccount API** — The ExternalAccount API from Modern Treasury — 4 operation(s) for externalaccount.
- **Modern Treasury ForeignExchangeQuote API** — The ForeignExchangeQuote API from Modern Treasury — 2 operation(s) for foreignexchangequote.
- **Modern Treasury Hold API** — The Hold API from Modern Treasury — 2 operation(s) for hold.
- **Modern Treasury IncomingPaymentDetail API** — The IncomingPaymentDetail API from Modern Treasury — 3 operation(s) for incomingpaymentdetail.
- **Modern Treasury InternalAccount API** — The InternalAccount API from Modern Treasury — 3 operation(s) for internalaccount.
- **Modern Treasury Invoice API** — The Invoice API from Modern Treasury — 2 operation(s) for invoice.
- **Modern Treasury InvoiceLineItem API** — The InvoiceLineItem API from Modern Treasury — 2 operation(s) for invoicelineitem.
- **Modern Treasury JournalEntry API** — The JournalEntry API from Modern Treasury — 2 operation(s) for journalentry.
- **Modern Treasury JournalReport API** — The JournalReport API from Modern Treasury — 2 operation(s) for journalreport.
- **Modern Treasury JournalSource API** — The JournalSource API from Modern Treasury — 2 operation(s) for journalsource.
- **Modern Treasury Ledger API** — The Ledger API from Modern Treasury — 2 operation(s) for ledger.
- **Modern Treasury LedgerAccount API** — The LedgerAccount API from Modern Treasury — 2 operation(s) for ledgeraccount.
- **Modern Treasury LedgerAccountBalanceMonitor API** — The LedgerAccountBalanceMonitor API from Modern Treasury — 2 operation(s) for ledgeraccountbalancemonitor.
- **Modern Treasury LedgerAccountCategory API** — The LedgerAccountCategory API from Modern Treasury — 4 operation(s) for ledgeraccountcategory.
- **Modern Treasury LedgerAccountSettlement API** — The LedgerAccountSettlement API from Modern Treasury — 3 operation(s) for ledgeraccountsettlement.
- **Modern Treasury LedgerAccountStatement API** — The LedgerAccountStatement API from Modern Treasury — 2 operation(s) for ledgeraccountstatement.
- **Modern Treasury LedgerEntry API** — The LedgerEntry API from Modern Treasury — 2 operation(s) for ledgerentry.
- **Modern Treasury LedgerTransaction API** — The LedgerTransaction API from Modern Treasury — 6 operation(s) for ledgertransaction.
- **Modern Treasury LegalEntity API** — The LegalEntity API from Modern Treasury — 3 operation(s) for legalentity.
- **Modern Treasury LineItem API** — The LineItem API from Modern Treasury — 2 operation(s) for lineitem.
- **Modern Treasury PaymentAction API** — The PaymentAction API from Modern Treasury — 2 operation(s) for paymentaction.
- **Modern Treasury PaymentFlow API** — The PaymentFlow API from Modern Treasury — 2 operation(s) for paymentflow.
- **Modern Treasury PaymentOrder API** — The PaymentOrder API from Modern Treasury — 4 operation(s) for paymentorder.
- **Modern Treasury PaymentReference API** — The PaymentReference API from Modern Treasury — 2 operation(s) for paymentreference.
- **Modern Treasury Ping API** — The Ping API from Modern Treasury — 1 operation(s) for ping.
- **Modern Treasury Return API** — The Return API from Modern Treasury — 2 operation(s) for return.
- **Modern Treasury Reversal API** — The Reversal API from Modern Treasury — 2 operation(s) for reversal.
- **Modern Treasury RoutingDetail API** — The RoutingDetail API from Modern Treasury — 2 operation(s) for routingdetail.
- …and 4 more, listed in full on the page.

## Agentic access (1)

- **Modern Treasury Agentic Access** — 177 operations · 88 acting

## Security (4)

- **Modern Treasury Authentication** — http · 1 scheme
- **Modern Treasury Domain Security** — TLSv1.3 · HSTS · DMARC
- **Modern Treasury Vulnerability Disclosure** — Hackerone
- **Modern Treasury Trust Center** — SOC 2, PCI DSS, GDPR

## Plans (1)

- **Modern Treasury Plans Pricing**

## Tags

Fintech, Payments, ACH, Wires, Treasury

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/modern-treasury/). Scores are computed from the provider's own public artifacts under a published rubric.