daniel mottice

stablecoins @moderntreasury || prev founder @beam_cash (acq) & before that @visa

[daniel mottice @mottice]

throughout my years building in this space, i've integrated nearly every iteration of named U.S. account infra on the market and built versions from scratch.

i can say with confidence: this is the best product out there.

via one API, MT's Global USD Accounts offer:

- unique routing and account numbers for users in 90+ countries
- embedded stablecoin orchestration
- ACH debits and credits
- instant fiat payouts via RTP/FedNow and push to card
- built-in ledgering & compliance
- soon: international wires, FDIC pass-through, bill pay, RfP, and check issuance

it's full-stack U.S. payment infra, now available worldwide through a few lines of code

if dollar movement is a core need in your product and you want to explore what this can do for you, DM me

[Modern Treasury @ModernTreasury]

Breaking: platforms can now offer access to the U.S. financial system for users in 90+ countries, with a single API call.

Introducing Global USD Accounts: named U.S. accounts with personal routing and account numbers, available to individuals and businesses worldwide.

Platforms can now offer users the ability to:

- Collect USD via ACH or wire from any U.S. payer, with native ACH pull support for on-demand or recurring funding flows
- Hold balances in USD, or convert to stablecoins and earn rewards
- Send USD via ACH, wire, RTP, or FedNow
- Reconcile fiat and stablecoin transactions against one ledger in real time

All with compliance built in, on infrastructure that's moved nearly half a trillion dollars.

Details: https://t.co/KELkHvZFSH

[daniel mottice @mottice]

congrats to the symphony team on their launch!

[Vik @vivaldi0x]

We built the first app that lets you travel the world by saving money

Credit cards give you points for spending

Symphony rewards you with points for saving

Earn a fixed 5% APY, plus points transferable to the largest airlines and hotels

Let your savings take you places

[daniel mottice @mottice]

and we are hiring across several functions!

[Matt Marcus @mattgmarcus]

100 days ago, we launched Payments, our PSP for fiat and stablecoins.
In May, we surpassed $100M in monthly payment volume.
A few things we've learned from the first $100M:

[daniel mottice @mottice]

just sent a wire for the first time through Robinhood Banking. seamless UX, no notes

this is what mobile banking in 2026 should look like

NOW to add global accounts via embedded stablecoin wallets and orchestration 😎

[daniel mottice @mottice]

uh. major major miss.

[sourcery @sourceryy]

"I don't believe there was debanking. I think it's a crock of shit. An absolute crock of shit."
— @Lead_Bank CEO @jackiereses

"There's 5,000 banks in the United States. We have a lot of red states. Are you telling me that in lots of red states, including where my company is headquartered, Kansas City, Missouri—those banks were not willing to bank, for example, conservative companies?"

"What debanking actually means is that banks transitioned out of offering crypto products or risky products like adult entertainment or something like that."

"That's legit. That happened to lots of companies. But that is not systematically debanking. That's choosing not to invest in the industry."

"There might be cases where a bank decides to not include executives in a particular industry, or they choose they don't want the risk associated with something. That is their prerogative, and banks can make decisions based on their own reputational risk."

"Thankfully, you have 50 states and 5,000 banks, and there are plenty of people who would take a pro and con of each side of those judgments, and be able to offer services to many of those people who say they were excluded from the banking system."

[Polygon | POL @0xPolygon]

Through @ModernTreasury, we made it simple to send, receive, and reconcile stablecoin payments on Polygon.

One integration for instant money movement.

[daniel mottice @mottice]

@arshbot @defyneric add SSB

there’s a lot more than stablecoin orchestration possible on top of these fwiw.

proper fintech now includes stablecoin orchestration by default

[daniel mottice @mottice]

heading back to Amsterdam next week for Money20/20 Europe

if you’re around and want to talk stablecoins, Global USD Accounts or payments, DM me and let’s connect

we’re also hosting a breakfast on June 4th alongside @openfx_ and @thestablecon for folks in town:
https://t.co/XtkcFhwMnM

[daniel mottice @mottice]

@regulatorynerd @mxmnci without a doubt

[daniel mottice @mottice]

during Stablecon EMEA, i got firsthand exposure to how stablecoins are evolving differently across Europe and the U.S.

Europe is still meaningfully behind the U.S. in terms of market maturity, even though MiCA arrived before the GENIUS Act.

in Europe, the private sector remains significantly more risk averse and is still largely waiting for clearer guidance before deploying at scale, while the U.S. continues to be driven primarily by the private sector that hasn’t let regulatory uncertainty halt growth.

that divergence is also reflected at the sovereign level: Europe appears substantially more focused on CBDCs and preserving monetary control through public-sector infra, while the U.S. continues to lean toward privately issued dollar stablecoins on open networks.

historically, the U.S. has been far more comfortable with privately issued credit and market-based funding means. as a rough proxy, the U.S. commercial paper market alone has ~$1.5T outstanding. Europe, by comparison, has traditionally leaned toward centralized banking and ECB-led monetary coordination. that difference in institutional DNA feels similar to how each region is approaching stables.

even with that caution, it’s clear that European banks are moving more. one example was yesterday’s announcement from Qivalis that 25 more banks are joining the consortium for a Euro stablecoin initiative, bringing the consortium to 37 banks across 15 countries.

at the same time, though, talks at the conference suggested that European banks still trail their U.S. counterparts by at least a year in terms of internal conviction and operational readiness.

those convos also reinforced a broader macro reality: when 98%+ of stablecoin volume is USD-denominated, countries outside the U.S. naturally view that as a competitive threat & a monetary sovereignty issue.

if stablecoins become the default settlement layer for internet-native money movement, then the dominant currency on those rails inherits enormous network effects; hence, regions like Europe want local-currency stablecoins and alternative payment infra.

that said, one major hurdle to 24/7 global money movement is liquidity fragmentation across issuers, currencies, chains, banks, and regions. without interoperability and shared liquidity layers, the ecosystem risks creating isolated monetary networks rather than a unified global settlement system.

that’s why the meaningful stablecoin adoption will depend less on issuance itself and more on building institutional coordination between networks and banks who can create deep liquidity endpoints across geos and systems.

with the U.S. already ahead, it’ll be interesting to watch how players in Europe and other major markets continue responding, especially in what has become a global duopoly between USDC and USDT

side note - kudos to @NikMilanovic & the @thestablecon team for putting on a great event

[daniel mottice @mottice]

tons of awesome feedback so far on yesterday's Global USD accounts announcement!

check out more details on what we heard from customers to get us here

new solution page here as well: https://t.co/RW0BZmyZl7

[Modern Treasury @ModernTreasury]

Global money movement infra is being rebuilt.

Yesterday, we launched Global USD Accounts in 90+ countries, bringing USD accounts, payments, compliance, ledgering, and stablecoin interoperability together in one API.

Read @Mottice's story behind it: https://t.co/Ve7evr6hpX

[daniel mottice @mottice]

institutions, stablecoin platforms, neobanks and perps platforms…. it’s a good day for money to move onchain using MT

[Bruno Faviero @Bfaviero]

crypto yesterday vs today

[daniel mottice @mottice]

@damonnam @ModernTreasury wallet infrastructure coming soon

card program is under evaluation

[daniel mottice @mottice]

throughout my years building in this space, i've integrated nearly every iteration of named U.S. account infra on the market and built versions from scratch.

i can say with confidence: this is the best product out there.

via one API, MT's Global USD Accounts offer:

- unique routing and account numbers for users in 90+ countries
- embedded stablecoin orchestration
- ACH debits and credits
- instant fiat payouts via RTP/FedNow and push to card
- built-in ledgering & compliance
- soon: international wires, FDIC pass-through, bill pay, RfP, and check issuance

it's full-stack U.S. payment infra, now available worldwide through a few lines of code

if dollar movement is a core need in your product and you want to explore what this can do for you, DM me

[Modern Treasury @ModernTreasury]

Breaking: platforms can now offer access to the U.S. financial system for users in 90+ countries, with a single API call.

Introducing Global USD Accounts: named U.S. accounts with personal routing and account numbers, available to individuals and businesses worldwide.

Platforms can now offer users the ability to:

- Collect USD via ACH or wire from any U.S. payer, with native ACH pull support for on-demand or recurring funding flows
- Hold balances in USD, or convert to stablecoins and earn rewards
- Send USD via ACH, wire, RTP, or FedNow
- Reconcile fiat and stablecoin transactions against one ledger in real time

All with compliance built in, on infrastructure that's moved nearly half a trillion dollars.

Details: https://t.co/KELkHvZFSH

[daniel mottice @mottice]

@duborges @ModernTreasury more info here

[Modern Treasury @ModernTreasury]

Breaking: platforms can now offer access to the U.S. financial system for users in 90+ countries, with a single API call.

Introducing Global USD Accounts: named U.S. accounts with personal routing and account numbers, available to individuals and businesses worldwide.

Platforms can now offer users the ability to:

- Collect USD via ACH or wire from any U.S. payer, with native ACH pull support for on-demand or recurring funding flows
- Hold balances in USD, or convert to stablecoins and earn rewards
- Send USD via ACH, wire, RTP, or FedNow
- Reconcile fiat and stablecoin transactions against one ledger in real time

All with compliance built in, on infrastructure that's moved nearly half a trillion dollars.

Details: https://t.co/KELkHvZFSH

[daniel mottice @mottice]

the number of vendors folks manage to ship a neobank today is… silly

much of this list is collapsible

as of today, @ModernTreasury collapses (3) (5) (7) (8) into one headless API...that numbered list is growing fast

[eric @defyneric]

API’s Every Neobank Needs:

1) Login/Wallet
@privy_io @dynamic_xyz @thirdweb @crossmint @turnkeyhq @magic_labs

2) Card Issuance
@raincards @Stablecoin @KulipaXYZ @wirexapp @reapglobal

3) Virtual ACH Accounts
@iron @BVNKFinance @UR_global @dakota_xyz

4) Privacy Layer
@SeismicSys @UmbraPrivacy

5) Yield
@yield @yield_xyz @blend_money @veda_labs

6) Swaps
@moonpay @lifiprotocol @0xProject @squidrouter @AcrossProtocol @wormhole @RelayProtocol

7) KYC/AML
@sumsub @persona @chainalysis

8) Stablecoin orchestration
@Paxos @openfx_ @CodexFX @m0 @ethena @OndoFinance

am i missing any?

[daniel mottice @mottice]

@JohnMementoMori @ModernTreasury more info here

[Modern Treasury @ModernTreasury]

Breaking: platforms can now offer access to the U.S. financial system for users in 90+ countries, with a single API call.

Introducing Global USD Accounts: named U.S. accounts with personal routing and account numbers, available to individuals and businesses worldwide.

Platforms can now offer users the ability to:

- Collect USD via ACH or wire from any U.S. payer, with native ACH pull support for on-demand or recurring funding flows
- Hold balances in USD, or convert to stablecoins and earn rewards
- Send USD via ACH, wire, RTP, or FedNow
- Reconcile fiat and stablecoin transactions against one ledger in real time

All with compliance built in, on infrastructure that's moved nearly half a trillion dollars.

Details: https://t.co/KELkHvZFSH

[daniel mottice @mottice]

@gminoprio @daimo @worldnetwork DMed

[daniel mottice @mottice]

@tstereth @ModernTreasury we are evaluating

[daniel mottice @mottice]

@defyneric @privy_io @dynamic_xyz @thirdweb @crossmint @turnkeyhq @magic_labs @raincards @Stablecoin @KulipaXYZ @wirexapp @reapglobal @iron @BVNKFinance @UR_global @dakota_xyz https://t.co/JGAOGabqwq

[daniel mottice @mottice]

the number of vendors folks manage to ship a neobank today is… silly

much of this list is collapsible

as of today, @ModernTreasury collapses (3) (5) (7) (8) into one headless API...that numbered list is growing fast