Banking software, not a bank. You match into a partner bank, sign a direct agreement, and run accounts and rails through Treasury Prime's API. Production is not self-serve.
What it is
Treasury Prime is Treasury Prime, Inc.’s embedded banking software for companies that want bank accounts and money movement inside a product. Current pages call the platform Bank OS and sell a REST API for accounts, payment rails, and banking partners. Footer copyright is Treasury Prime, Inc. Terms and privacy treat it as a software company. A Bank OS explainer states that only a bank can run a banking-as-a-service program, and that Treasury Prime writes the software. The charter and FDIC coverage sit with the partner bank.
Two API products sit on real-time connections to partner-bank cores. Core Direct opens accounts on the bank’s core, described as the same kind of account you would open in a branch. Treasury Prime Ledger holds accounts on Treasury Prime’s ledger, with each program given a segregated setup on the bank’s traditional core. Fintechs that still need a sponsor use Find a Bank: one marketplace submission, a direct bank agreement, sandbox while diligence runs, then production credentials after the bank signs off.
This page is the banking product for software platforms: deposit accounts (on-core or FBO and virtual ledger), the apply and KYC flow, and the money-movement rails on those accounts. Card issuing, Prime Cash, bill pay, Partner Marketplace, AI Marketplace, and the bank-facing Bank OS console are Treasury Prime’s. They are not this page.
Who it’s for
Use-case pages name four software-platform shapes:
- Commercial neobanks, opening FDIC-insured commercial accounts and payment rails, with optional Enhanced FDIC coverage and OneKey if the program needs more than one bank.
- Investment platforms, opening FDIC-insured accounts for GPs, LPs, vehicles, and target companies, plus ACH, wires (including international), and capital-call flows.
- Vertical labor marketplaces, embedding commercial and retail checking at partner banks so employers and contractors can move funds by book transfer inside the product.
- Embedded and retail fintechs, using an FBO, multiple FBOs, or individual FDIC-insured accounts, with virtual account numbers and ACH, wires, or book transfers for reconciliation, payouts, or consumer deposits.
Find a Bank is the intake if you still need a sponsor. Contact sales is the intake if you want a conversation with the sales team. Sandbox signup is public. Live access is not.
It is a fit for a US software company that wants partner-bank accounts and US rails inside the product, will hold a direct bank relationship, and does not hold a bank charter.
Standout details
- Deposit accounts are opened at a partner bank through the Apply API: person and business applications, KYC, then an account product (checking and savings appear in docs). Platform and use-case copy lists on-core accounts, FBO and virtual accounts, and Enhanced FDIC Insurance that extends coverage from $250,000 to tens of millions through a deposit-sweep partner. Open accounts carry routing and account numbers. The account object uses USD.
- Money movement on current docs and product pages: ACH credit and debit (standard and same-day), wires and incoming wires, book transfers, check deposit (remote deposit capture) and check issuing, FedNow send and receive at select partner banks, and network transfers for instant movement across banks on OneKey. ACH windows, holds, and SEC codes vary by bank. FedNow and network transfers require bank enablement. The payments page also lists realtime payments and deposit sweeps.
- KYC and KYB run as part of account opening, or as Incremental KYC without opening an account. Programs can use Treasury Prime’s built-in KYC or bring a bank-approved vendor (BYO KYC). Docs include fields for Treasury Prime’s direct KYC integrations and generic provider-result fields for BYO. Any change to KYC, including a new vendor or a less strict flow, needs bank approval. After a pass, KYC results are reused for 30 days.
- Production is not self-serve. Find a Bank: submit a marketplace profile, interested banks respond, you explore the API in sandbox, you sign a direct bank agreement and complete diligence, then production credentials are issued. The pre-launch checklist requires a bank-approved funds flow, KYC alignment, a fully executed bank MSA, and due diligence before production access. Contact sales says a sales team follows up. Sandbox signup is free at app.sandbox.treasuryprime.com. Sandbox requests do not hit banking networks and do not incur costs. Docs note that not every API endpoint is available at every bank.
- Treasury Prime does not publish a public pricing page. Commercial and contact pages describe usage-based pricing without a rate card. This listing does not repeat a rate card.
- Partner banks named on 2025 and 2026 Treasury Prime newsroom pages: KeyBank, People Trust Community FCU, U.S. Bank, i3 Bank, and Coastal. Earlier newsroom posts also name OMB Bank and FirstBank. A January 22, 2026 release says the Bank Network has more than 20 financial institutions. Find a Bank currently says one submission can reach up to 17 banks. The About page still prints 15+. Treat those counts as vendor copy from different pages, not a single audited figure.
- Geography is the United States. Terms say the Service is controlled from the United States and is not intended to subject Treasury Prime to non-U.S. law. Privacy policy (updated November 11, 2025) says the site and services are operated from the United States. Investment-platform copy mentions international applicants and international wires. Those are still accounts originated at U.S. partner banks. Platform overview states SOC 2 Type II. Homepage attributes $10B+ in new deposits, 2.5M+ new active accounts, and $90B+ in transactions to financial institution partners. About states 2017 founding by Chris Dean and Jim Brusstar, 2M+ accounts opened, and $10B daily money movement. Those figures are Treasury Prime’s.
- Current product pages name Mayfair, Sydecar, Azibo, WorkMade, AngelList, Zeta, and Wagestream with quotes or descriptive copy. Adjacent Treasury Prime products include card issuing (virtual, physical, tokenized, and digital wallets), Prime Cash for retail cash loading, bill pay, Partner Marketplace, and AI Marketplace for bank-fintech matching. Those are Treasury Prime’s. They are not this page. Bank OS is also sold to banks and credit unions as core-adjacent software. That bank-buyer path is theirs. It is not this page.
Sources: treasuryprime.com, About, Platform, Find a Bank, Commercial neobanks, Investment platforms, Vertical labor marketplaces, Commercial fintechs, Embedded banking, Retail fintechs, Payments, Virtual ledger, Partner Marketplace, Contact, Newsroom, i3 Bank and Coastal, KeyBank, People Trust, U.S. Bank, OMB Bank, FirstBank, Bank OS, Terms, Privacy, Docs overview, Getting started, Opening an account, KYC, Pre-launch checklist, ACH, FedNow, Network transfers, Ledger and Core Direct, Sandbox signup.
Honest verdict
Treasury Prime is the listing to read when the job is embedded banking for a US software platform that will hold a direct relationship with a partner bank: FDIC-insured on-core or FBO ledger accounts, ACH, wires, book transfers, and optional FedNow or OneKey network transfers on those accounts. Treasury Prime is not a bank. The charter sits with the Bank Network. You match, diligence, and sign with the bank. Treasury Prime supplies the API, the ledger options, and the core connections.
What it is not: a published buy rate, a self-serve live start, or a company that holds the deposit charter for you. If you will not complete bank due diligence or will not sign a direct partner-bank agreement, stop. If the job is accounts at a partner bank inside the product, with the bank in the loop on KYC and funds flow, start here.