In this episode of the Wrap Up Podcast, I’m joined by Matt Marcus, CEO, and Sam Aarons, CTO of Modern Treasury.

We break down how Modern Treasury evolved from an API-first bank payments platform into a full-stack, multi-rail infrastructure provider supporting ACH, wires, RTP, FedNow, and stablecoins under a single unified ledger.

We discuss:

How Modern Treasury’s new integrated payments product enables companies to launch in days

Why compliance ownership is shifting back to infrastructure providers

The role of AI in engineering productivity, compliance workflows, and fraud detection

Lessons from Synapse and the importance of immutable, double-entry ledgers

What companies must assess when choosing an infrastructure partner

Why instant, cheap, and usable payments will define the next decade

This conversation goes deep into payment stack architecture, embedded finance evolution, stablecoin integration, and what the future of money movement actually looks like at scale.

If you operate in fintech, treasury, embedded finance, or payments infrastructure, this episode unpacks where the rails are heading — and what it takes to build on top of them.