Compare · Digital Treasury vs. Modern Treasury
Modern Treasury is a developer platform. Digital Treasury is a ready-to-use product.
Modern Treasury gives engineering teams payment rails and a ledger API. Digital Treasury gives finance teams a working app — dashboards, approvals, and reconciliation — with no build required.
Side by side
Digital Treasury vs. Modern Treasury, capability by capability.
| Capability | Modern Treasury | Digital Treasury |
|---|---|---|
| Ready-to-use UI | API + you build the UI | Full dashboard & workflows |
| Time to value | Months of engineering | Days, no code |
| Vertical workflows | General-purpose primitives | Purpose-built products |
| Reconciliation UI | Ledger API, DIY interface | Visual matching built in |
| Team roles & approvals | Build with the API | Native |
| Best for | Engineering teams | Finance teams |
Choose Digital Treasury if
You want a finished product your finance team can use today, not an SDK to build against.
Choose Modern Treasury if
You have an engineering team building a fully custom, embedded payments experience.
Switching from Modern Treasury?
Tell us your rails, volume and timeline and we'll help you plan the move — no forced rebuild, no lock-in on the way out.
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