Stablecoin treasury software for payment companies

By Polynopsis team · Last updated 27 October 2026

What matters for a cross-border payment company

• Wallet and custody model: MPC, multisig, qualified custody or self-custody
• Chains and stablecoins supported
• Fiat bank and payout partner connectivity alongside wallets
• Reconciliation across on-chain and bank activity in one ledger
• Pre-transaction policy controls and compliance screening
• Regulatory status of the provider

At a glance

Range

Range is a platform for companies operating across stablecoins and fiat that joins bank accounts, custodians, wallets and exchanges into one real-time ledger and screens transactions before they move.

• Range has two paid modules: Unify, a real-time ledger with treasury dashboard, forecasting, reconciliation and counterparty management, and Protect, which screens transactions, counterparties and Travel Rule data. source
• Range reports 10,000+ integrations with banks, custodians and wallets and monitors 200+ networks and 100+ stablecoins (June 2026). source
• Range raised an $8.3 million Series A in June 2026, bringing total funding to $11 million. source
• Range protects more than $30 billion in onchain assets and screens tens of billions in payment volume each month. source
• Range capabilities include reconciliation and matching across fiat and stablecoins, Travel Rule data collection and real-time treasury risk monitoring. source
• Paid modules are priced by capability and volume, and a time-limited Sandbox gives access to every Unify and Protect module. source

Named customers: Circle, Solana Foundation, Stellar, Squads, Jupiter

Ripple Treasury (formerly GTreasury)

Ripple Treasury is the treasury management system formerly called GTreasury, now part of Ripple, covering liquidity, forecasting, payments, reconciliation, netting and risk, with native digital asset accounts.

• Ripple announced a $1 billion acquisition of GTreasury on 16 October 2025. source
• GTreasury is now part of Ripple and has been renamed Ripple Treasury. source
• Ripple Treasury solutions include liquidity management, cash flow forecasting, reconciliation, netting, payments, risk management and native stablecoin and blockchain treasury infrastructure. source
• At the acquisition announcement GTreasury had more than 40 years in treasury, over 1,000 customers across 160 countries and a Chicago headquarters with offices in Dublin, London, Sydney, Singapore and Manila. source
• On 1 April 2026 Ripple Treasury launched Digital Asset Accounts and Unified Treasury, showing digital asset balances such as XRP and RLUSD next to cash in one dashboard. source
• Customers with assets at several custodians connect them through ClearConnect, the same layer used for bank integrations. source
• ClearConnect Gateway added bank API connections to DBS, OCBC, ICBC, Barclays and BNP Paribas in March 2024, with current-day and prior-day balance and transaction reporting. source

Named customers: Bank of us

Fireblocks

Fireblocks provides MPC-secured wallet, custody and stablecoin payments infrastructure for PSPs, fintechs and banks, with a network of on-ramp, off-ramp and liquidity providers.

• Fireblocks says 325+ of the world's largest payments companies run on Fireblocks (as of October 2026). source
• The Fireblocks Network has 2,500+ participants across 100+ countries, and 40+ providers covering 60+ currencies (as of October 2026). source
• Fireblocks launched its stablecoin payments network on 4 September 2025 with participants including Circle, Bridge, Zerohash and Yellow Card. source
• Fireblocks keys are MPC-secured, with granular approvals and role-based access, and the platform offers MT940 support and an audit trail for reconciliation. source
• Fireblocks publishes an Essentials plan at $999 a month and custom plans starting at $36,000 a year (as of October 2026). source
• Fireblocks acquired wallet and authentication provider Dynamic in October 2025. source

Named customers: Western Union, MoneyGram, Worldpay, Checkout.com, Revolut, Yellow Card

BitGo

BitGo is a digital asset infrastructure company offering custody, wallets, staking, trading, financing, stablecoin issuance and settlement from regulated cold storage.

• BitGo reported 5,833 clients and $65.2 billion in assets on platform at 30 June 2026. source
• BitGo received conditional OCC approval on 12 December 2025 to convert its trust company into BitGo Bank & Trust, National Association, and announced final OCC approval to operate as a national trust bank in January 2026. source
• BitGo listed on the New York Stock Exchange under the ticker BTGO in January 2026, pricing its IPO at $18 a share. source
• BitGo Stablecoin-as-a-Service revenue was $38.8 million in the second quarter of 2026. source
• BitGo's stablecoin services include white-labelled issuance, minting and burning, BitGo Mint, 24/7 settlement and fiat rails through banking partners. source
• BitGo wallet types include custody MPC, custody multisig, self-custody MPC, self-custody multisig and offline vault multisig. source

Utila

Utila is an institutional MPC wallet platform that gives fintechs, PSPs, banks and enterprises infrastructure for stablecoin payments, treasury, trading and tokenisation.

• Utila supports 100+ blockchains, including BTC, ETH, SOL, TRX, TON, major EVM chains and Cosmos chains. source
• Utila reports $30B+ monthly volume and 400+ companies on the platform (as of October 2026). source
• Utila Stablecoin Payments supports USDC and USDT pay-ins with dedicated deposit addresses per customer, corridor or entity, batch payouts and sweeping into central treasury. source
• Utila converts between fiat and stablecoins 24/7 and settles funds into bank accounts through Utila Link partners. source
• Utila raised a $22 million Series A extension led by Red Dot Capital Partners in September 2025, bringing its Series A to $40 million. source
• Utila's policy engine provides role-based permissions, address whitelists and quorum approvals. source

Named customers: Vault Street, Stable Mint, SquareFi, Próspera, KAIO

Modern Treasury

Modern Treasury is a payment service provider for fiat and stablecoin, offering payments, ledgers and reconciliation through one API.

• Modern Treasury describes itself as a payment service provider for fiat and stablecoin, with payment rails including ACH, RTP, FedNow, checks, wire, push-to-card and stablecoins. source
• Modern Treasury connects through 30+ direct bank integrations. source
• On 22 October 2025 Modern Treasury acquired Beam, a stablecoin and fiat payment platform whose customers include Sling Money. source
• On 5 October 2026 Modern Treasury applied to the OCC to establish Modern Treasury National Trust Bank, a limited-purpose trust bank to hold and move stablecoins and fiat together. source
• Pricing is usage-based with annual terms and no minimum spend; on-ramps and off-ramps carry a fiat rail fee plus a conversion fee (as of October 2026). source
• Modern Treasury reports over $600 billion in payments processed. source

Named customers: Spritz, Sling Money, Nomad, Wingspan, Settle, Anchorage Digital

Where Polynopsis fits

Polynopsis is built for cross-border payment companies whose money sits with payout partners, exchanges and stablecoin wallets as well as banks. It gives one read-only position across all of them, tracks money in flight and warns before a corridor runs dry. It is not a full treasury management system: it does not execute payments or manage investments and debt, so firms that need those pair it with a treasury management system or choose one of the tools above.

Other comparisons

• Atlar alternatives for cross-border payment companies
• Kyriba alternatives for mid-size payment companies

Sources

1. Plans and pricing · Range documentation
2. Range raises Series A to unify treasury, risk and compliance across rails · Range
3. About Range · Range documentation
4. Ripple breaks into corporate treasury with $1B GTreasury acquisition · Ripple
5. GTreasury is now Ripple Treasury · Ripple Treasury
6. Ripple Treasury launches the first treasury management system (TMS) with native digital asset capabilities · Ripple
7. GTreasury extends global banking API connectivity suite into APAC · Ripple Treasury
8. Stablecoin payments infrastructure for PSPs, fintechs and banks · Fireblocks
9. Fireblocks launches stablecoin payments network · The Block
10. Fireblocks pricing · Fireblocks
11. Fireblocks buys crypto authentication startup Dynamic · The Block
12. BitGo announces second quarter 2026 financial results · BitGo Holdings, Inc.
13. BitGo secures OCC approval · BitGo
14. BitGo prices IPO above range ahead of stock market debut · SiliconANGLE
15. BitGo stablecoin services · BitGo
16. Use-case overview · BitGo Developer Portal
17. Utila · Utila
18. Stablecoin payments · Utila
19. Crypto startup Utila raises $22M to build institutional stablecoin infrastructure · SiliconANGLE
20. Modern Treasury · Modern Treasury
21. Integrate with Bank of America · Modern Treasury
22. Modern Treasury acquires Beam to expand instant payments leadership with stablecoins · Modern Treasury
23. Modern Treasury applies to establish national trust bank · Modern Treasury
24. Modern Treasury pricing · Modern Treasury