For YC Founders
Launch Payments in Days,
Not Months
Credits, priority onboarding, and a shared Slack channel with Modern Treasury for every YC company.
Onboarding
Priority queue
YC Credits
Credit Balance
$20,000.00
- Program
- Current Batch
- Term
- 12 Months
Shared Slack Channel
#mt-yourcompany
The YC Deal
Build Now and Pay as You Grow
Current Batch
$20,000in credits for 12 months.
- No annual commitment and waived monthly minimums for the first year
- Priority onboarding
- Shared Slack channel with our team
YC Alumni
$5,000in credits for 6 months.
- Priority onboarding
- Shared Slack channel with our team
What You’re Building On
One API for ACH, RTP, FedNow, wire, checks, push-to-card, and stablecoins. Sub-accounts, ledgering, and built-in KYC/KYB/AML. Usage-based pricing, so your bill grows with your volume and not before it.

Working with Modern Treasury allowed us to get up and running in days, not months. That speed let us stay focused on shipping a product that helps companies earn more on their cash, instead of spending unnecessary time in the weeds of payments infrastructure.
Sam Lushtak
Co-Founder and CEO, Palus Finance (YC)
From One YC Company to Another
We went through YC S18 and spent the batch building the first version of this API. We know how much runway a slow bank onboarding costs. Tell us what you’re building and we’ll get you live in days.*
*All customers must pass compliance and be underwritten for their use case. ACH debits may require reserve capital.