Modern Treasury selects Turnkey to power non-custodial Stablecoin Wallets

Startups and platforms increasingly want to offer stablecoin-powered products alongside traditional payment services. Stablecoins like USDG, USDC, and USDT have become a common way to move and store value globally, offering speed, global reach, and programmability that traditional rails cannot match.

But stablecoin products still need wallets, and non-custodial wallets in particular have historically meant taking on key management, secure signing, and custody architecture as separate infrastructure problems. For teams whose core product is payments, payroll, or marketplaces, that is a significant detour.

Modern Treasury and Turnkey are removing that barrier together. Modern Treasury announced non-custodial Stablecoin Wallets, giving startups, platforms, and their end users direct control over onchain assets through the same API they already use for money movement, compliance, ledgering, and rewards, with Turnkey securing and scaling the underlying wallet infrastructure.

Payment operations infrastructure for fiat and stablecoins

Modern Treasury provides payment operations infrastructure trusted by leading enterprises and financial institutions, with more than $600 billion in payments powered to date. Its platform helps businesses launch and scale payment experiences through a single API for both fiat and stablecoin transactions, with built-in compliance, ledgering, and reporting.

With this launch, Modern Treasury brings non-custodial Stablecoin Wallets, Global USD Accounts, and payment orchestration together on one platform. Startups and platforms can:

• Launch non-custodial stablecoin experiences for users in the U.S. and more than 90 countries
• Pair custodial and non-custodial wallets, holding assets custodially for their own operations while giving end users self-custodied wallets on the same unified infrastructure
• Manage fiat and stablecoins together, letting end users hold fiat for payments, convert into stablecoins, or use both
• Move money any way through a single integration, orchestrating flows between stablecoins and USD via ACH, checks, wire, RTP, FedNow, and push-to-card, with built-in ledgering

The result is one infrastructure layer for products that need to store value, move money, and maintain an accurate record across fiat and stablecoins.

Turnkey's role in securing Modern Treasury's non-custodial Stablecoin Wallets

Turnkey supports more than 50 million wallets and secures billions of dollars in assets. That infrastructure is now integrated directly into Modern Treasury's platform, so Modern Treasury customers can access non-custodial wallets through the same API without building or managing a separate integration.

Under the hood, Turnkey handles the wallet layer: key generation, secure signing inside hardware-backed enclaves, and the policy controls that let platforms define exactly how wallets can be used. Modern Treasury handles everything above it: money movement, orchestration, compliance, ledgering, and the unified API its customers already build against.

For end users, that means direct control over onchain assets without seed phrases, browser extensions, or crypto onboarding friction. For platforms, it means offering self-custody to their users while keeping their own operational assets in custodial wallets, all on the same infrastructure.

The launch also accelerates Modern Treasury's roadmap for new blockchain integrations and stablecoin support, so its customers can scale on the same unified platform as new chains and assets are added.

Why this matters: Non-custodial wallets unlock new stablecoin use cases

Custodial wallets work well for platform operations, but a growing set of products requires end users to control their own assets. Non-custodial Stablecoin Wallets on Modern Treasury support use cases including:

• Stablecoin-native cross-border settlement, onramping customer funds from fiat into stablecoins, orchestrating settlement through connected wallets and rails, and converting into local currencies for last-mile payout
• Dollar-denominated accounts, giving individuals and businesses in volatile-currency markets a way to save and transact in USDG, USDC, or USDT
• Global payroll and payouts, building toward instant, programmatic payouts directly into employee-controlled wallets
• Marketplace payments, letting buyers pay with stablecoins while sellers receive, hold, and programmatically move into fiat when needed
• Modern financial products, connecting stablecoin balances to DeFi protocols, AI agents, and other emerging systems

Each of these requires wallet infrastructure that is secure enough for financial institutions and invisible enough for end users. That is the layer Turnkey provides.

Get started with Turnkey's wallet infrastructure for stablecoin payments

Turnkey's wallet infrastructure powers non-custodial experiences for platforms of every size, from embedded consumer wallets to enterprise-scale payment operations like Modern Treasury.

Key generation, secure signing, custody configuration, and policy controls are available through a single API, so teams can ship production-grade wallets without solving wallet infrastructure on their own.

Get started with Turnkey today.‍