Modern Treasury Alternative
Why NAYA is the best alternative to Modern Treasury for fintechs needing a built-in ledger.
Why switch to NAYA?
While Modern Treasury focuses on bank connectivity and payment initiation, NAYA provides a complete financial operations platform with a built-in operational ledger. NAYA is ideal for fintechs that need to track user balances and complex flows, not just move money.
Cons of Modern Treasury
- ✕Focuses primarily on bank connectivity, less on internal ledgering logic.
- ✕Can be expensive for early-stage startups.
- ✕Requires significant engineering to build a sub-ledger on top of their API.
Pros of NAYA
- ✓Built-in double-entry operational ledger.
- ✓Real-time balance tracking for millions of users.
- ✓Integrated compliance and reconciliation engines.
- ✓Usage-based pricing that scales with you.
Key Differentiators
Operational Ledger
NAYA includes a real-time ledger to track user balances. Modern Treasury is primarily a payment ops layer.
Reconciliation
NAYA offers automated 3-way reconciliation (Ledger vs Processor vs Bank).
Compliance
NAYA has built-in compliance controls for KYC/KYB and transaction monitoring.
Frequently Asked Questions
Does NAYA replace Modern Treasury?
NAYA can replace Modern Treasury for many use cases, especially those requiring a sub-ledger. However, NAYA can also work alongside Modern Treasury if you strictly need their bank connectivity features.