How Modern Treasury is building a payments platform for a hybrid money world

For years, companies that needed to move money at scale faced the same frustrating tradeoff: build their own bank integrations and compliance infrastructure — a process that could take months — or stitch together a patchwork of specialized vendors, each covering a different rail. Modern Treasury has spent years sitting inside that problem, providing software infrastructure to help companies integrate with their banks, track funds, and manage ledgering at scale. Now, the founders have taken the company a significant step further, launching Payments, an integrated PSP that handles onboarding, KYB, and banking infrastructure on a client's behalf, compressing what used to be a six-month setup into days. Stablecoins are built in natively from day one, powered by Modern Treasury's acquisition of Beam, a stablecoin infrastructure company founded by Dan Mottice, who previously led crypto products at Visa and now heads stablecoin strategy at Modern Treasury. The result is what the company calls a "forever payments platform," designed to let companies start with fiat or stablecoin payments quickly with a single integration and expand over time, without the painful migrations that have historically defined scaling a payments stack. Listen to the podcast to learn about how Modern Treasury is thinking about fiat rails and stablecoins as complementary infrastructure, how the Beam acquisition shaped the new product, and why President Dimitri Dadiomov and Mottice believe the most significant near-term stablecoin opportunity lies in how companies manage working capital.