Not a payments API. A treasury platform per vertical.
A horizontal money-movement API hands you rails and a ledger, then leaves the vertical's actual money rules — the fuel tax, the lien-waiver gate, the three-way trust reconciliation — for you to build. Digital Treasury ships those too.
The treasury stack is the part you can't afford to get wrong.
Building it in-house
Multi-rail integrations, a ledger that reconciles to the cent, KYB/AML/OFAC, return handling, dual approval, audit — months of work and a treasury team most software companies can't staff, before you've shipped a single vertical feature.
A horizontal treasury API
Gives you the primitives — rails, accounts, a ledger — which is real leverage. But the vertical's money logic and the operator's daily app are still yours to design, build and run on top.
Digital Treasury
The primitives and the vertical: the money rules, the refusal discipline, and a white-labeled ops app per market — so a new product is a configuration on a proven engine, not a rebuild.
Horizontal API vs. vertical treasury platform.
| Capability | Horizontal API | Digital Treasury |
|---|---|---|
| Multi-rail payments & ledger | ✓ | ✓ |
| Vertical money rules (tax, gates, retainage) | Build it yourself | Built in, per vertical |
| White-labeled operator app | — | Ships per vertical |
| Refuses to act on unverified numbers | — | By design |
| New market to live | A build | A configuration |
See how Digital Treasury stacks up against the name you use today.
vs. Stripe
Stripe is built for online checkout. Digital Treasury is built for payment operations.
vs. Bill.com
Bill.com handles AP/AR. Digital Treasury moves and reconciles money end to end.
vs. Melio
Melio pays vendors. Digital Treasury runs your entire money operation.
vs. AvidXchange
AvidXchange automates AP for mid-market. Digital Treasury is faster to deploy and covers AR too.
vs. Modern Treasury
Modern Treasury is a developer platform. Digital Treasury is a ready-to-use product.
vs. Dwolla
Dwolla is an ACH API. Digital Treasury is the whole operation around it.
A vertical isn't done until the operator's whole day is.
Fuelry, the flagship, is a full operations app: daily agent settlements, fuel-tax determination per authority, BOL matching, supplier and dealer invoices, margin by site and grade, and a go-live gate that will not pass on demo data. That's the bar for every vertical — not just "you can call an ACH endpoint."