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  7. Modern Treasury

Modern Treasury logo

Modern Treasury

Not Agent-Ready Yet
Agent-Ready SaaS Index · moderntreasury.com · scored 2026-05-09 · rubric v2.0
Score 24 / 100
Treasury Management System

Modern Treasury scores 24/100 on xpay's Agent-Ready Index v2: partial pricing visibility; a public API exists with documentation.

See Modern Treasury pricing summaryLive pricing page
Pricing
Modern Treasury pricing
As of 2026-05-09 · www.moderntreasury.com/
Sales-led pricing

Modern Treasury does not publish any pricing numbers; the page only mentions usage‑based pricing and directs visitors to a contact form. Therefore the model is classified as sales_only with no public tiers.

Score breakdown · rubric v2.0
How Modern Treasury scores on the agent-ready dimensions

Public pricing visibility

2 / 15

Self-serve checkout

0 / 15

Public API + docs

12 / 20

Usage-based / metered pricing

8 / 20

Free entry path

0 / 7

No sales call required

2 / 7

Card / wallet / x402 payment

0 / 6

Machine-readable bonus (MCP / OpenAPI)

0 / 10


Total
24 / 100
Agent purchase verdict
Can an autonomous agent transact here?
Sales-gated
LLM score: 30/100

Can create account

Yes

Can enter payment method

No

Can upgrade plan

No

Can buy more usage

No

Can cancel online

No


Payment methods

Unknown

Human approval recommended

Yes

Pricing transparency

contact_only

Purchase motion

sales_led

Demo required

Unknown

Quote required

Unknown


Annual commit required

Unknown

Auto-renewal mentioned

No

Cancellation policy visible

No

Refund policy visible

No


Invoice payment available

Unknown

Purchase orders supported

Unknown

MSA required

Unknown

DPA available

Unknown

Security review required

Unknown


API readiness
API & developer surface

API-first product

No

Public API docs

www.moderntreasury.com/docs

Sandbox present

No

Webhooks

Unknown

MCP mentioned

No

Competitive intel
Positioning & ecosystem
Headline

“Build Products That Move Money”

Buyer persona

enterprise
developer

Value claims
99.99% Uptime
Agent purchase simulation
Six-step check: can an agent actually buy from Modern Treasury?
✓

Discover price

◐

Select a plan

✗

Pay per task

✗

Avoid a sales call

✗

API docs without auth

✗

Estimate cost upfront

Analysis
Pros and cons for AI agents
Observational summary written by xpay from the signals captured on 2026-05-06. Not a review of the product — only of its current pricing posture for agent buyers.
✓ For an AI agent
  • Pricing is publicly visible on an indexable page — agents can read tiers without scraping past auth.
◐ Opportunities for the provider
  • No per-unit price was advertised, so an agent has no way to estimate the cost of a single task.
  • All advertised tiers route to a sales contact form; an agent cannot complete a purchase autonomously.
  • API documentation is gated or absent; an agent cannot inspect the integration surface without authentication.
  • No /.well-known/ai-pricing.json or equivalent machine-readable pricing manifest is published — agents must rely on HTML scraping.
  • The pricing URL did not render numeric tier data on the scoring date — possibly a router or sales-led landing page.
One-line fix
How Modern Treasury could lift its score

Add a per-unit price (e.g. $X / 1K calls) to the pricing page so an agent can compute its own cost before committing.

pricing_visible

false

headline_phrasing

Build Products That Move Money — New Guide: How PSPs are evolving for modern payments Read more here →

tier_count

0

lowest_paid_entry_usd

null

free_tier

false

free_tier_terms

null

per_unit_price

null

annual_required

false

self_serve_paid_tiers

0

sales_only_tiers

1

public_api_docs_url

null

api_docs_auth_walled

null

ai_pricing_json_present

false

agents_txt_present

false

anonymous_purchase_path

false

per_unit_classification

null

usage_headline_present

false

custom_tier_present

true

agent_friendly

{"ai_pricing_json":false,"agents_txt":false,"llms_txt":false,"sitemap_xml":true,"mcp_server_card":false,"agent_skills_index":false,"x402_supported":false}

View raw extracted page text →
Page heading: Build Products That Move Money
CTAs (40): Products · Solutions · Resources · Docs · Customers · Pricing · Log in · Start building · Talk to us · Payments · Stablecoins · Ledgers
Price tokens (2): $400 · $400
ProductsSolutionsResourcesDocsCustomersPricingLog inStart buildingTalk to usProductsPaymentsStablecoinsLedgersSolutionsCross-BorderDigital WalletsEmbedded ACHLendingPayrollRewards & PointsStablecoin OrchestrationProgrammatic Sub-AccountsResourcesResourcesJournalGlossarySearchAboutNewsroomSecurityDocsPaymentsLedgersAPI ReferenceRelease NotesCustomersPricingLog inStart buildingTalk to usNew Guide: How PSPs are evolving for modern payments Read more here →Build Products That Move MoneyLaunch payment experiences in days, not months. One API for multi-rail payments, programmable accounts, real-time reporting, and built-in compliance.Talk to usOne Platform For Fiat and StablecoinsThe ProblemBuilding Payments Takes Too LongBank onboarding takes months. Card-first PSPs are expensive and slow to settle. Stablecoin platforms move fast, but struggle with fiat and compliance.Teams spend more time standing up accounts and vendors than building their product.The SolutionMove Money Your WayWhether you’re moving money via ACH, settling with FedNow, or paying out in stablecoins, Modern Treasury gives you one system to manage it all. Start with our PSP. Add direct bank partners as you grow—without changing your integration.Built on the infrastructure and proprietary ledger that has powered $400 billion in payments for the world’s most innovative companies.Go From Zero to ScaleEverything teams need to launch and scale payment products—without rebuilding.Go Live FastLaunch in days, not months.Si…
You work at Modern Treasury?
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Are you Modern Treasury? Something off in this listing?
Agent-Ready Spec
Modern Treasury
Not Agent-Ready Yet

24

/ 100 (rubric v2.0)

Category

Treasury Management System

Pricing model

Build Products That Move Money — New Guide: How PSPs are evolving for modern payments Read more here →

Tier count

0

Free tier

No

Lowest paid entry

Sales-led

Self-serve / sales-only tiers

0 / 1


Public API docs

Auth-walled

Anonymous purchase path

No

Machine-readable pricing

Not published


Last refreshed

2026-05-09

Pricing intelligenceInsights extracted from www.moderntreasury.com/
Pricing model

Sales-led pricing

Agent-purchase verdict
Sales-gated
30/100 · v2.1
Cheapest entry

Talk to us · sales-led

Actions
Open live pricing page
Verdict reflects Not Agent-Ready Yet status under rubric v2.0. Source observed at https://www.moderntreasury.com/.
Agent-friendly features1 of 7 present
Discovery files and protocols
Side-channel signals — informational, not part of the score. Each protocol is independent; adoption signals the publisher is thinking about agent buyers.

ai-pricing.json

agents.txt

llms.txt

sitemap.xml

MCP Server Card

Agent Skills

x402 / MPP

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CompanyAgentically Inc. (d/b/a xpay✦)1875 Mission St, Ste 103San Francisco, CA 94103, United Stateslegal@xpay.sh · privacy@xpay.sh
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