Fintech Business Podcast Interview: Modern Treasury's Matt Marcus & Matt Janiga
Feb 19, 2026
Matt Marcus, CEO and cofounder of Modern Treasury, builds payments infrastructure and ledgers. Matt Janiga, lead counsel, brings payments regulation and compliance expertise. They discuss Modern Treasury’s new integrated PSP, payment orchestration and who benefits, and the rising use cases and regulatory approach to stablecoins. Short, fast onboarding plus compliance is a recurring theme.
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Unified API And Ledger For Noncard Payments
- Modern Treasury provides a unified API pre-integrated to banks for ACH, wires, checks, RTP and ledgers.
- Their Ledger product is a database API that helps companies track money across rails and reconcile complex flows.
Use An Integrated PSP To Shorten Time To Market
- Use Modern Treasury's integrated PSP when you want payments + compliance + bank and custody relationships under one contract.
- The PSP uses Modern Treasury's existing ledger and APIs but adds FBO accounts, compliance and wallet custody.
Payments Not Banking As Service Is The Bigger Opportunity
- Modern Treasury focuses on fiat non-card payments because that market remains underserved across SMB to enterprise.
- They pair that focus with a strong compliance program and AI tooling to accelerate product development.