daniel 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

@regulatorynerd @mxmnci without a doubt

@mxmnci @mottice is this us?

billion dollar opportunity for ex-stripe, plaid, paypal, etc. alumni to dominate this space

if you’re in town, join @openfx_ and us at m2020 Europe in a couple weeks!

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

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: moderntreasury.com/solutions/glob…

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

@damonnam @ModernTreasury wallet infrastructure coming soon card program is under evaluation

@mottice @ModernTreasury No card program or wallet infrastructure?

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

@duborges @ModernTreasury more info here

@mottice @ModernTreasury can i onboard my non-US business clients with MT?

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

@JohnMementoMori @ModernTreasury more info here

@mottice @ModernTreasury Globally?

@gminoprio @daimo @worldnetwork DMed

@mottice @daimo @worldnetwork Yes let’s def talk 🤝

Pull from your US bank account into Hyperliquid, Polygon, or any chain in less than 30 seconds Stop stitching together 10 providers and losing customers to bad onboarding Demo in production on the @worldnetwork app

@tstereth @ModernTreasury we are evaluating

@mottice @ModernTreasury any plans for (2)?

@defyneric @privy_io @dynamic_xyz @thirdweb @crossmint @turnkeyhq @magic_labs @raincards @Stablecoin @KulipaXYZ @wirexapp @reapglobal @iron @BVNKFinance @UR_global @dakota_xyz x.com/mottice/status…

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?

Heading to Stablecon EMEA next week? Hear from Dan Mottice, our Head of Stablecoins, alongside leaders from Citi, Deutsche Bank, M0, NALA, and OpenFX in a discussion moderated by Chuk Okpalugo on the realities of always-on global payments.

take a look at what we’ve been up to at MT

GENIUS led to a sea change in usage, perception, and acceptance of stablecoins. Don't understimate the effect of passing CLARITY on all things payments and markets.

USDT is the godfather of stablecoins. MT now supports it natively reach out if you're interested in adding USDT payment capabilities for your customers

@cerotoone @ModernTreasury @joinCero @spritzfinance yes they use MT under the hood for various flows. i believe ACH pull is being rolled out in phases

@mottice @ModernTreasury @joinCero @spritzfinance powered by @ModernTreasury? will check it out, thanks @mottice

infrastructure bloat happens when you build around a problem instead of through it. in US stablecoin orchestration, ACH pull has been that problem for years. ACH pull is the funding mechanism that underpins most consumer and business fintech products in the US. when Robinhood lets you buy stock the moment you link a bank account, that's ACH pull with instant purchasing power. when Brex sweeps your operating account, that's ACH pull. under the hood, they + their payment partners have built out a credit risk model that gives you access to the funds instantly even though ACH pull has a multi-day settlement lag. the reason those products feel seamless is because the user never has to think about where the money is coming from. money just moves. when a platform initiates the debit, it signals to the user that the product is in control of the flow. when you ask a user to push funds themselves, you've handed them a step they can abandon.  pull-based funding flows create a smoother UX. so why don't most stablecoin orchestration platforms offer this? ACH debit origination requires a bank sponsor willing to take on return risk on your behalf. NSF and account closed returns typically resolve within a few business days, but unauthorized return claims can come back up to 60 days after settlement, long after stablecoins have already moved. that's a recon headache & financial risk that compounds fast when handled incorrectly, so most PSPs decided to ship something simpler. as a result, fixing this with a workaround is painful. you're typically integrating Plaid or MX for bank linking, a separate ACH originator for the debit, a conversion layer for USD <> stables, and an AML wrapper around all of it.  four vendors/contracts/failure points, all converging on the critical moment a new user tries to put money in for the first time. it's bloat that traditional fintech solved years ago, but the stablecoin layer added enough complexity that most platforms retreated to ACH credits and called it good enough. we didn't think that was good enough. that first funding moment is where users decide whether your product works. it's too important to route around. so we faced it head on at Modern Treasury. we built one API for the full funding lifecycle: bank connection, ACH debit origination, stablecoin orchestration, compliance. with the full funding lifecycle natively supported via one integration, users get a Venmo-like funding experience and platforms get better conversions + eng time back to ship features that move the needle. routing around hard problems is how you get to v1 but solving them is how you get to what stablecoins are actually capable of. @ModernTreasury is committed to the latter and ACH pull is just one example of many more to come

@mttjon not sure about that. stablecoins have PMF in markets outside of the US primarily.