Treasury Prime
- Company typePrivate
- Founded2017
- HeadquartersSan Francisco, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
Treasury Prime firmographics
Firmographics- Name
- Treasury Prime
- Legal name
- Treasury Prime, Inc.
- Website
- https://treasuryprime.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Treasury Prime industry classification
Industry- Product category
- Embedded Banking Infrastructure
- NAICS
- Commercial Banking (52211)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)
- akta.pro secondary industries
- Treasury, Cash Management & Liquidity Tools (Sweeps, Cash Concentration) (FSAGAAAG), Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC)
Keywords
Where Treasury Prime is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Treasury Prime business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Platform Subscription / SaaS Fees: Treasury Prime sells access to its Bank OS platform as a recurring software license to banks and fintechs, with revenue tied to platform usage, modules enabled (accounts, payments, compliance, digital experiences), and number of programs.
- Transaction-Based Fees: Treasury Prime generates revenue on a per-transaction basis as fintech and bank clients process payments, ACH transfers, wires, card transactions, and instant payouts across the platform.
- Partner Marketplace Referrals / Integrations: Revenue from integrating and reselling third-party partner capabilities (KYC, AML, fraud, card issuing, payments) through the Partner Marketplace to bank and fintech clients.
- Professional Services / Implementation: Customer success and implementation services support fintechs and banks through sandbox-to-production migration, compliance program design, and program management.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | — | Custom enterprise pricing — quote-based |
Go-to-market motion5 records
Distribution channels6 records
Marketing channels9 records
Treasury Prime product offering
Product offeringCore offering
Treasury Prime operates Bank OS, an API-first embedded banking platform that connects banks with fintechs through a single REST API integration. Banks can launch embedded banking programs, manage compliance, and grow deposits without replacing their core systems, while fintechs gain access to FDIC-insured accounts, payment rails, virtual sub-ledgers, and a curated marketplace of 20+ product partners across payments, cards, KYC, AML, and compliance.
Product overview
Treasury Prime operates a unified embedded banking platform — Bank OS — combined with a modular suite of products that banks and fintechs can adopt individually or together. The core Bank OS platform sits on top of banks' existing core systems and is extended through modular solutions including Digital Experiences, Virtual Ledger (Accounts), Payments, and Compliance, plus a Partner Marketplace of 20+ third-party providers and complementary products such as Prime Banking, Prime Analytics, Prime Cash, the AI Marketplace, the Bank Network, and the Developer Sandbox. Use-case offerings (Commercial Neobanks, Investment Platforms, Vertical Labor Marketplaces, Compliance for Fintechs) layer on top of Bank OS to address specific vertical needs, and the Find a Bank and Find a Fintech modules operationalize matchmaking across the network. Together, Bank OS and these modules deliver direct, real-time, single-API integration between banks, fintechs and partner service providers without requiring core replacement.
Differentiator
Problem solved
Functional benefit
Brands
- Bank OS: The Bank Direct Embedded Banking Platform / Treasury Prime's modular bank operating system for embedded banking, digital banking, payments, accounts (virtual ledger), and compliance.
- Prime Cash
- AI Marketplace
- Prime Banking
Products and services
- Bank OS Modern, modular Bank Operating System that serves as the core platform connecting banks, fintechs and corporate partners. Provides direct, real-time and seamless integration with banks' existing technology stacks without requiring rip-and-replace.
- Partner Marketplace Marketplace of 20+ best-in-class product partners offering KYC, compliance monitoring, instant account funding, payments, cards and other capabilities that banks and enterprises can access quickly.
- Digital Experiences Module that enables banks to create multiple customized front-end account opening and online banking experiences to target new consumers, businesses, affinity groups and other niche markets, with a single control center.
- Virtual Ledger (Accounts) Fully-integrated virtual sub-ledger supplementing the bank's existing core, supporting true sub-accounts synced in real-time to a head account that can be used to transact, with rules-based controls and automated compliance reporting.
- Payments Modern payment solutions bridging traditional bank technology with 21st century payments infrastructure, supporting credit and debit card programs, ACH and wire payments, digital payments, remote deposit capture, check issuing, book transfers, real-time payments and deposit sweeps.
- Compliance Compliance framework program with control center that lets banks own onboarding policies, monitor activities, automate reporting tasks such as deposit account validation for FDIC insurance, and integrate with 20+ leading KYC and transaction monitoring providers.
- Find a Fintech Module giving banks structured access to more than 3,600 fintechs through the AI Marketplace, with a defined intake checklist, matched submissions and a six-step path from interest to activation.
- Find a Bank Module enabling fintechs to connect with up to 17 banks through one simple submission via the Marketplace, with structured matching engine driven by deep bank profiles.
- Compliance for Fintechs Guided four-step compliance program for fintechs (Risk Assessment, Due Diligence, Customer Communications, BSA/AML Compliance) supported by Treasury Prime regulatory experts and partners including Alloy, Unit21, Cable and Sardine.
- Commercial Neobanks Embedded banking offering for launching corporate-focused neobanks with FDIC-insured bank accounts, payment rails, large deposit volumes, multi-bank support via OneKey Banking and Enhanced FDIC Insurance.
- Investment Platforms Embedded banking solution for investment platforms that supports SPV creation, capital calls, fee-free instant book transfers, domestic and international wires, and Enhanced FDIC Insurance for tens of millions in coverage.
- Vertical Labor Marketplaces Embedded instant payout ecosystem for labor marketplaces, enabling FDIC-insured commercial and retail checking accounts, fee-free instant book transfers, custom KYC, white-label debit cards and yield-bearing products.
- Prime Cash Cash management solution powered by Green Dot's Arc embedded finance platform and Green Dot Network that enables fintech partners' customers to deposit cash at more than 90,000 participating retail locations including Walmart, CVS, Walgreens and 7-Eleven, with funds typically available within minutes.
- AI Marketplace AI-native marketplace launched in December 2025 that connects banks with more than 3,600 fintechs, using intelligent matching technology to automate partner discovery, evaluation and onboarding for bank-fintech partnerships.
- Prime Banking Digital banking experience product suite built with the needs of banks and their customers in mind — a full product suite beyond embedded banking.
- Prime Analytics Console enhancement embedding standard reports with business intelligence tooling for trend analysis and automated compliance reporting in a single interface.
- Developer Sandbox Sandbox environment for developers to create API keys, test payments, cards and other banking functions before moving to production. Console is an exact match of the production console.
- Bank Network Treasury Prime's industry-leading bank network that has grown from 16 banks to more than 20 financial institutions, enabling fintechs to connect to multiple banks through a single API integration and offering OneKey Banking for deposit capacity scaling.
Quantifiable outcome
- 2.5M+ new active accounts generated for financial institution partners
- +7 more outcomes
Companies that use Treasury Prime
Customer profileNamed customers16 records
Segments4 records
Ideal customer profiles3 records
Treasury Prime technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration22 records
AI capability8 records
Feature8 records
Treasury Prime partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered major bank partner, flagship bank partner, strategic inclusion-focused partner, bank network addition, strategic infrastructure partner, strategic compliance ai partner, marketplace partner, strategic card-issuing partner, strategic data connectivity partner, strategic card network partner, compliance partner and compliance / fraud partner.
- KeyBankmajor bank partnerKeyBank joined Treasury Prime's Bank Network in February 2025 to expand embedded banking innovation.
- U.S. Bankflagship bank partnerIn October 2025 Treasury Prime joined U.S. Bank's Connected Partnership Network and U.S. Bank joined Treasury Prime's Bank Network, enabling fintechs to connect to multiple banks via a single API integration for payments and treasury.
- People Truststrategic inclusion-focused partnerPeople Trust partnered with Treasury Prime in June 2025 to advance financial inclusion via embedded banking.
- i3 Bankbank network additioni3 Bank joined Treasury Prime's Bank Network in January 2026, leveraging the AI Marketplace to find fintech partners.
- Coastalbank network additionCoastal joined Treasury Prime's Bank Network in January 2026, leveraging the AI Marketplace to find fintech partners.
- Green Dot (Arc / Green Dot Network)strategic infrastructure partnerGreen Dot's Arc embedded finance platform and Green Dot Network power Treasury Prime's Prime Cash solution, enabling cash deposits at 90,000+ retail locations including Walmart, CVS, Walgreens, and 7-Eleven.
- Greenlitestrategic compliance ai partnerGreenlite partnered with Treasury Prime in October 2024 to bring Compliance AI to banks across the U.S.
- Kobalt Labsmarketplace partnerKobalt Labs' AI-powered compliance solution added to Treasury Prime's Partner Marketplace in August 2024.
- Marqetastrategic card-issuing partnerMarqeta is a card-issuing partner in Treasury Prime's marketplace, providing modern card issuing capabilities through open APIs.
- Plaidstrategic data connectivity partnerPlaid is a partner in Treasury Prime's marketplace, powering ACH pulls and connections to 12,000+ financial institutions.
- Visastrategic card network partnerVisa is a partner in Treasury Prime's marketplace for cards and payments.
- Alloycompliance partnerAlloy is a compliance and identity risk management partner in Treasury Prime's Partner Marketplace.
- Sardinecompliance / fraud partnerSardine is a fraud, compliance, and onboarding platform partner in Treasury Prime's marketplace.
- Unit21compliance partnerUnit21 is a risk and compliance infrastructure partner in Treasury Prime's marketplace.
- Cablecompliance partnerCable is a financial crime effectiveness testing platform partner in Treasury Prime's marketplace.
- Footprint
Scale indicators13 records
Recent moves6 records
Expansion highlights6 records
Treasury Prime competitors and assessment
Company assessmentDirect peers
- Unit: Unit is a Banking-as-a-Service platform that offers bank accounts, cards, lending, and compliance infrastructure to fintechs via APIs. It competes head-to-head with Treasury Prime on bank-fintech orchestration and embedded banking programs for US fintechs.
- Synctera: Synctera is a BaaS platform that matches fintechs with sponsor banks and provides compliance, ledger, and account infrastructure. It is a direct competitor on the bank-fintech matching and embedded banking use cases that Treasury Prime addresses.
- Column (Column N.A.): Column operates as a bank-as-a-platform providing APIs for accounts, ACH, wires, and ledger to fintechs and embedded programs. It competes with Treasury Prime for fintechs that want a single-API banking relationship with a chartered bank.
- Lead Bank: Lead Bank is a community bank that has built a BaaS sponsor-bank practice partnering with fintechs across cards, lending, and deposits. It competes with Treasury Prime's bank partners for direct bank-fintech program sponsorships.
Broad incumbents
- Stripe Treasury: Stripe Treasury offers embedded financial accounts to platforms built on Stripe, leveraging partner banks for FDIC-insured deposits. While bundled inside Stripe's payments stack rather than sold as a standalone BaaS platform, it competes for the same fintech and platform customers Treasury Prime serves.
- Marqeta: Marqeta provides modern card-issuing infrastructure via open APIs and is itself a partner in Treasury Prime's marketplace. It overlaps with Treasury Prime's card and payments capabilities and competes for the same fintech card-program workloads.
- Green Dot: Green Dot is a bank and fintech holding company that powers embedded finance via its Arc platform and Green Dot Network retail footprint — including Treasury Prime's Prime Cash product. It competes in retail cash access and embedded banking distribution.
- Finastra: Finastra is a large established provider of core banking, lending, and treasury software to banks and credit unions globally. While broader and more legacy-oriented, it competes for the same bank modernization budgets that Treasury Prime's Bank OS targets.
- Q2 Holdings: Q2 provides digital banking and lending platforms to banks and credit unions. Its embedded finance and commercial banking offerings overlap with Treasury Prime's Digital Experiences and Payments modules from the bank-IT buyer perspective.
Others
- Plaid: Plaid is a data connectivity network powering ACH pulls and bank linking for fintechs and is itself a Treasury Prime marketplace partner. It is adjacent rather than directly competitive — Plaid focuses on data connectivity and Treasury Prime on full embedded banking orchestration.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Treasury Prime social profiles
Digital presenceTreasury Prime financial estimates
Financial estimateRevenue estimate
Valuation estimate
Treasury Prime leadership team
Management profileNumber of profiles
Profiles10 records
Treasury Prime funding detail
Funding detailFunding overview
Funding rounds4 records
Investors12 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Treasury Prime M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Treasury Prime
What does Treasury Prime do?
Treasury Prime operates Bank OS, an API-first embedded banking platform that connects banks with fintechs through a single REST API integration. Banks can launch embedded banking programs, manage compliance, and grow deposits without replacing their core systems, while fintechs gain access to FDIC-insured accounts, payment rails, virtual sub-ledgers, and a curated marketplace of 20+ product partners across payments, cards, KYC, AML, and compliance.
Is Treasury Prime a public or private company?
Treasury Prime is a private company. It is classified as venture growth investor backed and is currently operating.
When was Treasury Prime founded?
Treasury Prime was founded in 2017. It employs 51 to 100 people.
Where is Treasury Prime based?
Treasury Prime is headquartered in San Francisco, United States, in the North America region.
How does Treasury Prime make money?
Four revenue lines are on record. Platform Subscription / SaaS Fees are the primary driver. The others are transaction-Based Fees, partner Marketplace Referrals / Integrations and professional Services / Implementation.
Who are Treasury Prime's main competitors?
Direct peers on record are Unit, Synctera, Column (Column N.A.) and Lead Bank. Broad incumbents are Stripe Treasury, Marqeta, Green Dot, Finastra and Q2 Holdings. Plaid is listed as an others.
Does Treasury Prime have an API?
Yes. Treasury Prime offers a developer-facing REST API platform for embedded banking. Developers can use the API to open accounts, issue debit cards, create ACH transfers, list transactions, make book transfers, deposit checks (remote deposit capture), check account balances, manage KYC/KYB, integrate with bank cores via webhooks, and run simulations. The platform provides a Developer Sandbox (https://app.sandbox.treasuryprime.com/sign_up), a Postman collection, and a Getting Started guide. Authentication uses API key/secret (HTTP Basic style, e.g. curl -u $API_KEY_ID:$API_KEY_VALUE against https://api.treasuryprime.com). SDKs are not explicitly listed; developers use REST endpoints with cURL/HTTP. Developer documentation is at docs.treasuryprime.com/reference/introduction.
What industry is Treasury Prime in?
Treasury Prime's product category is Embedded Banking Infrastructure. Its primary akta.pro industry code is FSAGALAE, Embedded Deposit Accounts & Digital Wallet Infrastructure, with a secondary code of FSAGAAAG, Treasury, Cash Management & Liquidity Tools (Sweeps, Cash Concentration). Its NAICS code is 52211 and its SIC code is 6199.