payment-operations
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Two Brothers Got Burned by Chargebacks. Now 20,000 Merchants Trust Chargeflow to Fight Back.
Ariel and Avia Chen built the tool they could not buy: software that spots risky orders, intercepts disputes and assembles the paperwork while merchants keep selling. The sharper idea is not the AI - it is charging when the ugly work produces a result.
Modern Treasury
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.