Lux Treasury

Institutional treasury management platform with 13 banking/payment providers, double-entry ledger, and OFAC compliance.

Providers

Banking

Provider	Capabilities
Mercury	Business banking, ACH, wires
Column	Direct Fed member, ACH/wire/RTP/FedNow
Bridge	Stablecoin orchestration, on/off ramp
Increase	Banking infrastructure, ACH/wire/RTP/checks
Modern Treasury	Payment operations, ledger, virtual accounts
Unit	BaaS, white-label checking/savings

Payments

Provider	Capabilities
Square	Payments, commerce, invoicing
Wise	International transfers, multi-currency, FX
CurrencyCloud (Visa)	Institutional FX, cross-border payments

Cards

Provider	Capabilities
Lithic	Virtual + physical cards, spend controls, real-time auth
Marqeta	Card issuing, JIT funding, spend controls

Compliance

Provider	Capabilities
Plaid	Bank account linking, identity verification

Features

• Multi-Provider Banking — Unified API across 13 providers
• Double-Entry Ledger — Journal entries with automatic balancing
• OFAC Sanctions Screening — SDN list checks on all counterparties
• FX Conversions — Cross-border payments with competitive FX rates
• Card Issuing — Virtual and physical cards with spend controls
• Payment Rails — ACH, wire, RTP, FedNow, SEPA, SWIFT, checks

Architecture

Client Request
      |
  [treasuryd :8091]
      |
  +---+---+---+
  |   |   |   |
 API Ledger Compliance
  |              |
  +------+-------+
  |      |       |
Banking Payments Cards
  |      |       |
 6 prov  4 prov  2 prov + Plaid

Quick Start

# Build
go build -o treasuryd ./cmd/treasuryd/

# Run (configure at least one provider)
MERCURY_API_KEY=... ./treasuryd

# Or with multiple providers
COLUMN_API_KEY=... WISE_API_TOKEN=... ./treasuryd

API

All endpoints under /api/v1/ on port :8091 (configurable via TREASURY_LISTEN).

Accounts

Method	Path	Description
POST	/api/v1/{provider}/accounts	Create bank account
GET	/api/v1/{provider}/accounts	List accounts
GET	/api/v1/{provider}/accounts/{id}	Get account
GET	/api/v1/{provider}/accounts/{id}/balance	Get balance

Payments

Method	Path	Description
POST	/api/v1/{provider}/payments	Create payment
GET	/api/v1/{provider}/payments	List payments
GET	/api/v1/{provider}/payments/{id}	Get payment
DELETE	/api/v1/{provider}/payments/{id}	Cancel payment

FX

Method	Path	Description
GET	/api/v1/{provider}/fx/quote	Get FX quote
POST	/api/v1/{provider}/fx/convert	Execute FX conversion
GET	/api/v1/{provider}/fx/conversions	List conversions

Counterparties

Method	Path	Description
POST	/api/v1/{provider}/counterparties	Create counterparty
GET	/api/v1/{provider}/counterparties	List counterparties

Ledger

Method	Path	Description
POST	/api/v1/ledger/entries	Create journal entry
GET	/api/v1/ledger/entries	List entries
GET	/api/v1/ledger/accounts/{id}/balance	Account balance

Compliance

Method	Path	Description
POST	/api/v1/compliance/screen	OFAC sanctions check
GET	/api/v1/compliance/status/{entity}	Screening status

Configuration

Env Var	Description
TREASURY_LISTEN	Listen address (default :8091)
MERCURY_API_KEY	Mercury
COLUMN_API_KEY	Column
BRIDGE_API_KEY	Bridge
INCREASE_API_KEY	Increase
MODERN_TREASURY_ORG_ID / MODERN_TREASURY_API_KEY	Modern Treasury
UNIT_TOKEN	Unit
SQUARE_ACCESS_TOKEN	Square
WISE_API_TOKEN / WISE_PROFILE_ID	Wise
CURRENCYCLOUD_LOGIN_ID / CURRENCYCLOUD_API_KEY	CurrencyCloud
LITHIC_API_KEY	Lithic
MARQETA_APP_TOKEN / MARQETA_ACCESS_TOKEN	Marqeta
PLAID_CLIENT_ID / PLAID_SECRET	Plaid

Docker

CGO_ENABLED=0 GOOS=linux GOARCH=amd64 go build -ldflags="-w -s" -o treasuryd ./cmd/treasuryd/
docker build --platform linux/amd64 -t ghcr.io/luxfi/treasury:latest .

License

Copyright 2024-2026, Lux Industries Inc. All rights reserved.