Modern Treasury has introduced Stablecoin Payment Accounts (SPAs), a revolutionary solution designed to streamline domestic and international money movement.
This innovation integrates stablecoin technology with traditional payment rails, offering businesses a more cost-effective, and compliant way to manage transactions.
By combining the stability of USD-backed accounts with the efficiency of blockchain-based stablecoins, Modern Treasury is enhancing payment operations for companies worldwide.
Stablecoin Payment Accounts enable businesses to send and receive payments via ACH, wire, RTP, and stablecoin rails through a single, unified API.
This eliminates the need for complex For Benefit Of (FBO) accounts, which traditionally require months to set up and often delay product launches.
With SPAs, companies can start moving money programmatically in as little as two weeks, thanks to Modern Treasury’s partnership with Brale, a stablecoin infrastructure provider with Money Transmitter Licenses (MTLs).
This collaboration ensures compliance without sacrificing control, making SPAs a game-changer for businesses seeking agility in payment operations.
One of the standout features of SPAs is their ability to support both fiat and stablecoin transactions.
Companies can send and receive US dollars over traditional rails like ACH and wire, while also leveraging stablecoins for global payouts to any wallet across major blockchain networks such as Base, Tron, and Solana.
Funds are automatically converted between USD and stablecoins, simplifying settlement and reducing foreign exchange (FX) risks.
This flexibility allows businesses to maintain existing workflows, such as wire templates for intra-company transfers, while integrating stablecoin rails for specific use cases like international vendor payments or weekend contractor payouts.
The benefits of SPAs extend beyond speed and versatility.
By leveraging Brale’s blockchain infrastructure, Modern Treasury ensures robust compliance with built-in Anti-Money Laundering (AML) and Know Your Customer (KYC) controls, as well as automated Office of Foreign Assets Control (OFAC) sanctions screening.
Finance teams gain access to unified approvals, comprehensive payment templates, and role-based permissions, ensuring transparency and control across all transactions.
Additionally, SPAs may offer real-time visibility and instant reconciliation, reducing manual effort and minimizing errors in financial operations.
For treasury management, SPAs provide advantages.
Businesses can hold balances in stablecoins, earning program revenue, and optimizing global cash positions with instant account funding.
The ability to convert global currencies into USD equivalents mitigates FX volatility, making SPAs an option for companies with international operations.
Modern Treasury’s platform also supports features like payment templates, automatic reconciliation, and reporting, ensuring a seamless experience for both stablecoin and traditional bank payments.
The introduction of SPAs aligns with the adoption of stablecoins, which saw transfer volumes reach $27.6 trillion in 2024, surpassing Visa and Mastercard combined.
With active stablecoin wallets growing 53% year-over-year to over 30 million by February 2025, the demand for stablecoin-based solutions is seemingly clear.
Modern Treasury’s SPAs position businesses to capitalize on this trend, offering a scalable, compliant, and efficient payment solution.