Modern Treasury

// Modern Treasury handles bank payment operations behind UCP flows.
// Use it when UCP transactions involve ACH, wire, or RTP payments.

import ModernTreasury from 'modern-treasury';
const mt = new ModernTreasury({
  apiKey: process.env.MT_API_KEY,
  organizationId: process.env.MT_ORG_ID,
});

// Create a payment order when a UCP agent completes checkout
async function settleUcpTransaction(
  ucpOrderId: string,
  amount: number,
  counterpartyId: string
) {
  const paymentOrder = await mt.paymentOrders.create({
    type: 'ach',
    amount,
    currency: 'USD',
    direction: 'debit',
    originating_account_id: process.env.MT_ACCOUNT_ID,
    receiving_account_id: counterpartyId,
    metadata: { ucp_order_id: ucpOrderId },
  });
  return paymentOrder;
}