Modern Treasury Launches Global USD Accounts, Enabling Platforms to Serve Users in 90+ Countries

Modern Treasury launched Global USD Accounts, enabling platforms to offer named U.S. accounts to eligible individuals and businesses in more than 90 countries.

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Each account includes unique routing and account numbers and supports collecting, holding, and sending funds across ACH, wire, RTP, FedNow, and stablecoin rails through a single API.

Across global platforms, one challenge surfaced repeatedly: businesses and individuals outside the United States often operate in dollars without direct access to U.S. financial infrastructure. Platforms building on Modern Treasury asked for the ability to offer users fully featured USD accounts that are named, routable, programmable, and capable of supporting both traditional payment rails and stablecoin workflows. Global USD Accounts were built to meet that demand.

Full-Stack U.S. Payment Infrastructure, Now Available Worldwide

Each platform’s user receives a unique routing and account number, with the full power of Modern Treasury’s enterprise-grade money movement software behind every transaction.

• Collect – Receive ACH and wire payments from any U.S. payer, with funds settling directly into the account. Platforms can also use native ACH pull support to initiate on-demand or recurring funding flows programmatically.
• Hold – Platforms can manage balances in U.S. dollars for money in motion. Funds can be converted into stablecoins and may be eligible for rewards.
• Send – Make payouts via ACH, wire, RTP, and FedNow, covering the full range of domestic payment rails without switching accounts or managing multiple funding sources.

Platforms can also combine Global USD Accounts with Modern Treasury’s stablecoin orchestration capabilities to manage fiat and stablecoin flows together through a single ledger and API. Every payment, whether in dollars or stablecoins, is recorded in real time against Modern Treasury’s proprietary ledger, giving platforms a single, authoritative source of truth for all money movement across their accounts.

Global USD Accounts will continue to expand in the months ahead, with inbound and outbound international wire transfers via SWIFT, Push-to-Card, check sending, FDIC pass-through insurance on eligible balances, and support for received debits.

“The U.S. dollar is the world’s most dominant currency, but accessing U.S. payment infrastructure has always been challenging to do right,” said Matt Marcus, co-founder and CEO of Modern Treasury. “Customers kept asking us for USD accounts they could offer globally through APIs. Global USD Accounts make that possible, bringing programmable dollar infrastructure within reach – making the U.S. financial system an API call away for individuals and businesses in over 90 countries.”

Compliance Built In from Day One

Global USD Accounts include embedded onboarding, identity verification, AML monitoring, and transaction screening from account creation onward. Accounts are held with U.S. banking partners and ledgered to protect customer funds.

Platforms can onboard individuals and businesses while maintaining compliance controls across payment and account activity without relying on fragmented operational workflows.

Morse, a global neobank built on stablecoins, uses Global USD Accounts and Payments to enable its users to instantly cash out via RTP, FedNow, ACH, and Push-to-Card.

Similarly, Spritz, a consumer crypto app, uses Modern Treasury to enable users to seamlessly fund or withdraw from their accounts.

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