Modern Treasury is a San Francisco software company that builds payment operations infrastructure for businesses moving money at scale. Its API-first platform connects directly to banks and unifies ACH, wire, RTP, FedNow, and stablecoin rails behind one developer-friendly interface, with a real-time ledger and automated reconciliation built in. Founded in 2018 by three engineers who lived through the pain firsthand at a mortgage marketplace, the company has powered hundreds of billions of dollars in payments for customers like Gusto, Marqeta, Navan, ClassPass, and Procore.
Matt Marcus is the Co-Founder and CEO of Modern Treasury, the San Francisco-based payment operations platform that processes hundreds of billions of dollars annually for companies like Gusto, Navan, and Procore. A Dartmouth computer science grad and former competitive rower, Marcus spent a year at LendingHome building the payment system that processed over $3 billion in mortgage loans - and that experience became the blueprint for Modern Treasury. He co-founded the company in 2018 with Sam Aarons and Dimitri Dadiomov, went through Y Combinator's Summer 2018 batch, and has raised $183M in total funding. In July 2025, he transitioned from CPO to CEO, steering Modern Treasury toward unified fiat and stablecoin payment rails following the acquisition of Beam.