Introducing 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.

Modern Treasury, a leading provider of financial technology solutions, has announced the launch of Stablecoin Payment Accounts (SPAs). These accounts are designed to streamline domestic and international money movement by integrating stablecoin technology with traditional payment rails.

In today’s rapidly changing business landscape, companies are seeking increasingly cost-effective and compliant ways to manage transactions, especially across international borders.

To meet this need, Modern Treasury has unveiled Stablecoin Payment Accounts (SPAs), a unique solution that combines the stability of USD-backed accounts with the efficiency of blockchain-based stablecoins.

This innovation builds upon the company’s existing capabilities in treasury management, known for its user-friendly platform and comprehensive features.

Modern Treasury’s platform is designed to empower businesses with a single API for managing both fiat and stablecoin transactions across ACH, wire, RTP, and major stablecoin rails.

This stands in contrast to the traditional complexities of setting up For Benefit Of (FBO) accounts with intermediary banks, a process that can take several months and often hampers product launches.

In partnership with Brale, a leading stablecoin infrastructure provider holding Money Transmitter Licenses (MTLs), Modern Treasury can launch Stablecoin Payment Accounts and begin programmatic money movement in as quickly as two weeks.

This partnership ensures compliance with Anti-Money Laundering (AML), Know Your Customer (KYC), and Office of Foreign Assets Control (OFAC) sanctions screening, while also enabling the creation of payment templates, role-based permissions, and comprehensive reporting capabilities.

Together, Modern Treasury and Brale are bringing together the best of fiat and blockchain technologies to empower businesses with greater agility and efficiency in managing their payment operations.

Key Features of Stablecoin Payment Accounts:

• Seamless Integration of Fiat and Stablecoin Transactions:

- Send and receive US dollars via ACH and wire, or major stablecoins for global payouts to any wallet on Base, Tron, Solana, and other major blockchain networks.

- Funds are automatically converted between USD and stablecoins, simplifying settlement and reducing foreign exchange (FX) risks.

- Maintain existing workflows with wire templates for intra-company transfers and integrate stablecoin rails for specific use cases.

• Comprehensive Compliance and Security Measures:

- Robust Anti-Money Laundering (AML) and Know Your Customer (KYC) controls are built into the platform.

- Continuous automation of Office of Foreign Assets Control (OFAC) sanctions screening.

- Finance teams have access to unified approvals, payment templates, and role-based permissions for transparency and control.

• Advanced Reporting and Reconciliation:

- Real-time visibility into account balances and transaction activity.

- Instant reconciliation of payments, reducing manual effort and errors in financial operations.

• Advantages for Treasury Management:

- Hold balances in stablecoins to earn program revenue and optimize global cash positions.

- Instantly fund accounts in any global currency, converting to USD equivalents to mitigate FX volatility.

- Modern Treasury's platform supports features like payment templates, automatic reconciliation, and reporting, ensuring a seamless experience for both stablecoin and traditional bank payments.

The adoption of stablecoins has been steadily increasing, with transfer volumes reaching $27.6 trillion in 2024, surpassing the combined volume of Visa and Mastercard.

Moreover, active stablecoin wallets grew by 53% year-over-year to over 30 million by February 2025, highlighting the growing demand for these solutions.

In today’s dynamic business environment, organizations are seeking scalable, compliant, and efficient payment solutions to navigate the complexities of domestic and international transactions.

With the introduction of Stablecoin Payment Accounts (SPAs), Modern Treasury is empowering businesses to capitalize on the burgeoning trend of stablecoins, a development that has seen institutions flock to integrate blockchain technology for payments.