In a major development for global finance and payments, Modern Treasury has acquired Beam to unify traditional and blockchain-based payment rails. The integration will combine Modern Treasury’s enterprise-grade infrastructure for money movement with Beam’s stablecoin and fiat orchestration capabilities, enabling seamless real-time payments and liquidity optimization.
This acquisition marks a significant leap forward in the evolution of financial technology, bridging traditional systems like ACH, wires, and FedNow® with emerging blockchain-enabled stablecoin networks.
“Together, we’re creating the best infrastructure to move money instantly—without the delays and limitations of banks or card-first payment providers,” said Matt Marcus, co-founder and CEO of Modern Treasury.
Key Features and Overview
The combined Modern Treasury-Beam platform will allow businesses to handle all payment types — from ACH to stablecoin transfers — through a single API.
It will also manage critical compliance layers such as Know Your Customer (KYC), Know Your Business (KYB), and Anti-Money Laundering (AML) to simplify regulatory workflows.
| Feature | Description |
|---|---|
| Settlement Rails | Stablecoins, RTP®, FedNow®, ACH, Wires, Push-to-Card |
| API Functionality | Unified API for multi-rail money movement |
| Compliance | Automated KYC/KYB and AML checks |
| Instant Payouts | Real-time, 24/7 disbursement capability |
| Liquidity Optimization | Cross-border FX and stablecoin-based liquidity tools |
| Target Users | Enterprises, fintechs, payment processors, and global treasury teams |
Dan Mottice, founder of Beam and now Head of Beam at Modern Treasury, said:
“Beam’s stablecoin and fiat orchestration capabilities will be woven directly into Modern Treasury’s platform to unlock instant pay-ins and payouts, FX efficiency and next-generation liquidity management, all within a trusted enterprise-grade system.”
Eligibility and Use Cases
Modern Treasury’s new integrated solution will be available for businesses that need fast, reliable, and compliant global payment operations.
Eligible Sectors
- FinTechs and payment processors integrating instant transfer solutions
- Enterprises managing payroll or supplier payments across currencies
- Marketplaces requiring fast disbursements to vendors and contractors
- Financial institutions modernizing treasury operations with real-time payments
- Cross-border commerce platforms looking for stablecoin-enabled transactions
Benefits of the Integrated Modern Treasury-Beam Platform
1. Real-Time Settlements
Businesses can send or receive money instantly using stablecoins or FedNow® while maintaining traceability and compliance.
2. Unified API for All Rails
The single API consolidates different payment systems into one command layer, reducing integration complexity and time-to-market.
3. Compliance Simplified
KYC, KYB, and AML processes are automated and embedded, ensuring enterprise-grade adherence to regulations without additional overhead.
4. Global Liquidity and FX Efficiency
Stablecoins will help firms manage liquidity across borders in real time, reducing delays and costs associated with traditional FX conversions.
5. Enhanced Treasury Visibility
AI-enabled dashboards will soon provide real-time cash position views and forecasting to support proactive financial management.
| Benefit Area | Impact on Business |
|---|---|
| Instant Money Movement | Faster settlements and improved cash flow |
| Compliance Management | Lower regulatory risk, automated documentation |
| FX Optimization | Reduced currency conversion costs |
| API Flexibility | Easier system integration and scalability |
| Liquidity Visibility | Better treasury forecasting and control |
Payment and Processing Details
Modern Treasury’s infrastructure now spans traditional and next-generation payment systems, allowing clients to operate 24/7 across jurisdictions.
| Payment Method | Speed | Coverage | Compliance Layer |
|---|---|---|---|
| ACH / Wires | 1–2 business days | U.S. domestic | Standard AML/KYC |
| FedNow® | Real-time | U.S. domestic | Instant compliance checks |
| RTP® | Real-time | Partnered banks | Real-time AML |
| Push-to-Card | Minutes | Global | Network compliance |
| Stablecoins (USDC, USDP, etc.) | Seconds | Global, on-chain | Smart contract KYC validation |
Recent Updates
May 2025: AI Platform for Enterprise Payments
Modern Treasury launched an AI agent tailored for payment operations, helping enterprises detect anomalies and optimize processing automatically.
August 2025: Expanded Bank Partnerships
The company integrated instant payments support across six major U.S. banks, broadening accessibility to real-time transfers.
October 2025: Acquisition of Beam
The Beam acquisition introduces stablecoins and global settlement capabilities into Modern Treasury’s ecosystem, making it a leader in hybrid payment infrastructure.
Expert Commentary
1. Sarah Conroy, FinTech Analyst at FinTech Insights
“This acquisition positions Modern Treasury at the intersection of traditional banking and blockchain finance. It’s the logical next step toward unified global payments infrastructure.”
2. David Levin, CFO, HorizonPay
“Stablecoins are fast becoming the bridge between legacy financial systems and on-chain liquidity. Modern Treasury’s Beam integration could drastically cut corporate payment friction.”
3. Priya Nair, Partner, KPMG FinTech Advisory
“With compliance embedded directly into settlement flows, Modern Treasury sets a precedent for regulatory-first innovation in the payments space.”
4. Alex Hoffman, Payments Strategist at PYR Capital
“Stablecoin orchestration within a bank-grade API is what enterprise finance has been waiting for—secure, compliant, and instant.”
Why It Matters?
The Modern Treasury-Beam acquisition is a landmark in the convergence of traditional finance and decentralized payment networks. It redefines what real-time banking means for corporations, allowing faster movement of money with greater transparency and efficiency.
As more financial institutions and fintechs seek real-time settlement capabilities, the integration of stablecoins into corporate payments could reshape treasury operations globally.
The move also signals that stablecoins are no longer a niche crypto product—they are becoming foundational components of next-generation financial infrastructure.
FAQs
What does Modern Treasury’s acquisition of Beam mean for customers?
It means access to a unified platform supporting both traditional and stablecoin-based money movement through a single API.
Will stablecoins replace traditional payments?
Not entirely. Instead, they complement existing systems by enabling instant global transfers and liquidity optimization.
Is the new platform compliant with financial regulations?
Yes. Modern Treasury handles all KYC, KYB, and AML requirements within its system, maintaining full regulatory compliance.
When will customers gain access to Beam’s capabilities?
Integration is already underway and expected to roll out fully across Modern Treasury’s customer base in early 2026.
Which stablecoins will be supported?
Modern Treasury is expected to start with regulated stablecoins such as USDC and USDP, with others added later.
How does this benefit cross-border businesses?
Cross-border firms can reduce settlement times from days to seconds, eliminating FX delays and lowering transaction costs.