Modern Treasury
Modern Treasury is a money movement platform unifying ACH, wires, RTP, checks, FX, and reconciliation across multiple bank partners. Operates as the financial operations system of record.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles Modern Treasury the way a machine reads it — 209 machine-readable artifacts across 44 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Modern Treasury scores 45.1/100 (developing), with a separate agent-readiness read of 48/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Modern Treasury
Each block below is one kind of artifact we hold for Modern Treasury. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 44
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Modern Treasury AccountCapability API
The AccountCapability API from Modern Treasury — 1 operation(s) for accountcapability.
Modern Treasury AccountCollectionFlow API
The AccountCollectionFlow API from Modern Treasury — 2 operation(s) for accountcollectionflow.
Modern Treasury AccountDetail API
The AccountDetail API from Modern Treasury — 2 operation(s) for accountdetail.
Modern Treasury BalanceReport API
The BalanceReport API from Modern Treasury — 2 operation(s) for balancereport.
Modern Treasury BulkRequest API
The BulkRequest API from Modern Treasury — 2 operation(s) for bulkrequest.
Modern Treasury BulkResult API
The BulkResult API from Modern Treasury — 2 operation(s) for bulkresult.
Modern Treasury Connection API
The Connection API from Modern Treasury — 1 operation(s) for connection.
Modern Treasury ConnectionLegalEntity API
The ConnectionLegalEntity API from Modern Treasury — 2 operation(s) for connectionlegalentity.
Modern Treasury Counterparty API
The Counterparty API from Modern Treasury — 3 operation(s) for counterparty.
Modern Treasury Document API
The Document API from Modern Treasury — 6 operation(s) for document.
Modern Treasury Event API
The Event API from Modern Treasury — 2 operation(s) for event.
Modern Treasury ExpectedPayment API
The ExpectedPayment API from Modern Treasury — 2 operation(s) for expectedpayment.
Modern Treasury ExternalAccount API
The ExternalAccount API from Modern Treasury — 4 operation(s) for externalaccount.
Modern Treasury ForeignExchangeQuote API
The ForeignExchangeQuote API from Modern Treasury — 2 operation(s) for foreignexchangequote.
Modern Treasury Hold API
The Hold API from Modern Treasury — 2 operation(s) for hold.
Modern Treasury IncomingPaymentDetail API
The IncomingPaymentDetail API from Modern Treasury — 3 operation(s) for incomingpaymentdetail.
Modern Treasury InternalAccount API
The InternalAccount API from Modern Treasury — 3 operation(s) for internalaccount.
Modern Treasury Invoice API
The Invoice API from Modern Treasury — 2 operation(s) for invoice.
Modern Treasury InvoiceLineItem API
The InvoiceLineItem API from Modern Treasury — 2 operation(s) for invoicelineitem.
Modern Treasury JournalEntry API
The JournalEntry API from Modern Treasury — 2 operation(s) for journalentry.
Modern Treasury JournalReport API
The JournalReport API from Modern Treasury — 2 operation(s) for journalreport.
Modern Treasury JournalSource API
The JournalSource API from Modern Treasury — 2 operation(s) for journalsource.
Modern Treasury Ledger API
The Ledger API from Modern Treasury — 2 operation(s) for ledger.
Modern Treasury LedgerAccount API
The LedgerAccount API from Modern Treasury — 2 operation(s) for ledgeraccount.
Modern Treasury LedgerAccountBalanceMonitor API
The LedgerAccountBalanceMonitor API from Modern Treasury — 2 operation(s) for ledgeraccountbalancemonitor.
Modern Treasury LedgerAccountCategory API
The LedgerAccountCategory API from Modern Treasury — 4 operation(s) for ledgeraccountcategory.
Modern Treasury LedgerAccountSettlement API
The LedgerAccountSettlement API from Modern Treasury — 3 operation(s) for ledgeraccountsettlement.
Modern Treasury LedgerAccountStatement API
The LedgerAccountStatement API from Modern Treasury — 2 operation(s) for ledgeraccountstatement.
Modern Treasury LedgerEntry API
The LedgerEntry API from Modern Treasury — 2 operation(s) for ledgerentry.
Modern Treasury LedgerTransaction API
The LedgerTransaction API from Modern Treasury — 6 operation(s) for ledgertransaction.
Modern Treasury LegalEntity API
The LegalEntity API from Modern Treasury — 3 operation(s) for legalentity.
Modern Treasury LineItem API
The LineItem API from Modern Treasury — 2 operation(s) for lineitem.
Modern Treasury PaymentAction API
The PaymentAction API from Modern Treasury — 2 operation(s) for paymentaction.
Modern Treasury PaymentFlow API
The PaymentFlow API from Modern Treasury — 2 operation(s) for paymentflow.
Modern Treasury PaymentOrder API
The PaymentOrder API from Modern Treasury — 4 operation(s) for paymentorder.
Modern Treasury PaymentReference API
The PaymentReference API from Modern Treasury — 2 operation(s) for paymentreference.
Modern Treasury Ping API
The Ping API from Modern Treasury — 1 operation(s) for ping.
Modern Treasury Return API
The Return API from Modern Treasury — 2 operation(s) for return.
Modern Treasury Reversal API
The Reversal API from Modern Treasury — 2 operation(s) for reversal.
Modern Treasury RoutingDetail API
The RoutingDetail API from Modern Treasury — 2 operation(s) for routingdetail.
Modern Treasury Transaction API
The Transaction API from Modern Treasury — 2 operation(s) for transaction.
Modern Treasury TransactionLineItem API
The TransactionLineItem API from Modern Treasury — 3 operation(s) for transactionlineitem.
Modern Treasury Validation API
The Validation API from Modern Treasury — 1 operation(s) for validation.
Modern Treasury VirtualAccount API
The VirtualAccount API from Modern Treasury — 2 operation(s) for virtualaccount.
Scroll within the panel for all 44 ·
Open Collections 1
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Modern Treasury
OPEN COLLECTIONPricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.
Published pricing tiers and plan structures.
Rate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Modern Treasury Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Modern Treasury Finops
FINOPSSpectral Rules 1
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
Modern Treasury API Rules
SPECTRALJSON Schema 154
Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.
Standalone JSON Schema definitions for this provider's data models.
account_capability
JSON SCHEMAaccount_capability_update_request
JSON SCHEMAaccount_collection_flow_create_request
JSON SCHEMAaccount_collection_flow
JSON SCHEMAaccount_collection_flow_update_request
JSON SCHEMAaccount_detail_create_request
JSON SCHEMAaccount_detail
JSON SCHEMAaccounting
JSON SCHEMAaccounts_type
JSON SCHEMAaddress_request
JSON SCHEMAaddress
JSON SCHEMAalert_condition_create_request
JSON SCHEMAalert_condition
JSON SCHEMAasync_response
JSON SCHEMAbalance_create_request
JSON SCHEMAbalance_report_create_request
JSON SCHEMAbalance_report
JSON SCHEMAbalance
JSON SCHEMAbulk_error
JSON SCHEMAbulk_request_create_request
JSON SCHEMAbulk_request
JSON SCHEMAbulk_result
JSON SCHEMAchild_legal_entity_create
JSON SCHEMAchild_legal_entity
JSON SCHEMAconnection_legal_entity_create_request
JSON SCHEMAconnection_legal_entity
JSON SCHEMAconnection_legal_entity_update_request
JSON SCHEMAconnection
JSON SCHEMAcontact_detail_create_request
JSON SCHEMAcontact_detail
JSON SCHEMAcounterparty_collect_account_request
JSON SCHEMAcounterparty_collect_account_response
JSON SCHEMAcounterparty_create_request
JSON SCHEMAcounterparty
JSON SCHEMAcounterparty_update_request
JSON SCHEMAcurrency
JSON SCHEMAcurrent_ledger_account_balance_state
JSON SCHEMAdocument_create_request
JSON SCHEMAdocument_detail
JSON SCHEMAdocument
JSON SCHEMAerror_message
JSON SCHEMAevent
JSON SCHEMAexpected_payment_create_request
JSON SCHEMAexpected_payment
JSON SCHEMAexpected_payment_type
JSON SCHEMAexpected_payment_update_request
JSON SCHEMAexternal_account_create_request
JSON SCHEMAexternal_account
JSON SCHEMAexternal_account_type
JSON SCHEMAexternal_account_update_request
JSON SCHEMAexternal_account_verification_attempt
JSON SCHEMAexternal_account_verify_request
JSON SCHEMAforeign_exchange_quote_create_request
JSON SCHEMAforeign_exchange_quote
JSON SCHEMAforeign_exchange_rate
JSON SCHEMAhold
JSON SCHEMAidentification_create_request
JSON SCHEMAidentification
JSON SCHEMAincoming_payment_detail_create_request
JSON SCHEMAincoming_payment_detail
JSON SCHEMAincoming_payment_detail_update_request
JSON SCHEMAinternal_account_create_request
JSON SCHEMAinternal_account
JSON SCHEMAinternal_account_update_request
JSON SCHEMAinvoice_create_request
JSON SCHEMAinvoice_line_item_create_request
JSON SCHEMAinvoice_line_item
JSON SCHEMAinvoice_line_item_update_request
JSON SCHEMAinvoice
JSON SCHEMAinvoice_update_request
JSON SCHEMAledger_account_balance_monitor
JSON SCHEMAledger_account_category_create_request
JSON SCHEMAledger_account_category
JSON SCHEMAledger_account_category_update_request
JSON SCHEMAledger_account_create_request
JSON SCHEMAledger_account
JSON SCHEMAledger_account_settlement_create_request
JSON SCHEMAledger_account_settlement
JSON SCHEMAledger_account_settlement_update_request
JSON SCHEMAledger_account_statement_create_request
JSON SCHEMAledger_account_statement
JSON SCHEMAledger_account_update_request
JSON SCHEMAledger_balance
JSON SCHEMAledger_balances
JSON SCHEMAledger_balances_with_effective_at
JSON SCHEMAledger_create_request
JSON SCHEMAledger_entry_create_request
JSON SCHEMAledger_entry_of_transaction_version
JSON SCHEMAledger_entry_partial_post_create_request
JSON SCHEMAledger_entry
JSON SCHEMAledger_entry_update_request
JSON SCHEMAledger
JSON SCHEMAledger_transaction_create_request
JSON SCHEMAledger_transaction_reversal_create_request
JSON SCHEMAledger_transaction
JSON SCHEMAledger_transaction_update_request
JSON SCHEMAledger_transaction_version
JSON SCHEMAledger_update_request
JSON SCHEMAlegacy_document_create_request
JSON SCHEMAlegal_entity_address_create_request
JSON SCHEMAlegal_entity_address
JSON SCHEMAlegal_entity_association
JSON SCHEMAlegal_entity_bank_setting
JSON SCHEMAlegal_entity_create_request
JSON SCHEMAlegal_entity_industry_classification
JSON SCHEMAlegal_entity_regulator
JSON SCHEMAlegal_entity
JSON SCHEMAlegal_entity_update_request
JSON SCHEMAlegal_entity_update_status_request
JSON SCHEMAlegal_entity_wealth_employment_detail
JSON SCHEMAline_item_request
JSON SCHEMAline_item
JSON SCHEMAline_item_update_request
JSON SCHEMApayment_action_create_request
JSON SCHEMApayment_action
JSON SCHEMApayment_action_update_request
JSON SCHEMApayment_flow_create_request
JSON SCHEMApayment_flow
JSON SCHEMApayment_flow_update_request
JSON SCHEMApayment_order_async_create_request
JSON SCHEMApayment_order_create_request
JSON SCHEMApayment_order
JSON SCHEMApayment_order_subtype
JSON SCHEMApayment_order_type
JSON SCHEMApayment_order_update_request
JSON SCHEMApayment_reference_object
JSON SCHEMApayment_reference
JSON SCHEMAping_response
JSON SCHEMAreconciliation_group
JSON SCHEMAreconciliation_rule_variable
JSON SCHEMAreturn_create_request
JSON SCHEMAreturn
JSON SCHEMAreversal_create_request
JSON SCHEMAreversal
JSON SCHEMArouting_detail_create_request
JSON SCHEMArouting_detail
JSON SCHEMArouting_number_lookup_request
JSON SCHEMAthird_party_verification
JSON SCHEMAtransaction_create_request
JSON SCHEMAtransaction_direction
JSON SCHEMAtransaction_line_item_create_request
JSON SCHEMAtransaction_line_item
JSON SCHEMAtransaction
JSON SCHEMAtransaction_update_request
JSON SCHEMAvirtual_account_create_request
JSON SCHEMAvirtual_account
JSON SCHEMAvirtual_account_update_request
JSON SCHEMAScroll within the panel for all 154 ·
JSON Structure 1
JSON Structure captures the data shapes in a form built for tooling — a complement to JSON Schema that keeps the model machine-legible.
JSON Structure definitions describing this provider's data shapes.
Modern Treasury Structure
JSON STRUCTURESecurity Posture 4
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Modern Treasury — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Agent Surfaces 2
MCP servers, agent skills, and machine-readable catalogs
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 4
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
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