Partners.

Modern Treasury is a payment operations platform that provides direct access to bank rails, ACH, same-day ACH, wire, RTP and FedNow, alongside a real-time financial ledger and an integrated compliance stack covering business verification, identity verification and ongoing transaction monitoring.

Modern Treasury is how money actually moves on Civic-Chain. Municipal funds are held in accounts at FDIC-insured banking partners, never as tokens or crypto assets. When a contract is funded, Civic-Chain opens a dedicated sub-account against it; when work is approved, payment leaves for the vendor's registered bank account in dollars. Every movement produces a ledger entry that Civic-Chain writes to its permanent audit record. Towns fund in dollars. Vendors receive dollars.

REPAY (NASDAQ: RPAY), founded in 2006, is a payments technology company serving government and municipal clients among numerous other industries. Its accounts payable automation converts eligible vendor payments away from manual check processing and onto controlled electronic methods, which reduces handling time, strengthens payment controls against fraud, and turns qualifying payments into a source of rebate revenue for the paying organization.

REPAY is available to municipalities that want to keep a conventional AP workflow, or that already run one. Approved payments can be routed to REPAY for electronic disbursement, with vendors enrolled in REPAY's network receiving card-based payment and rebate revenue flowing back to the municipality. This runs alongside Civic-Chain's standard settlement path rather than replacing it. A town can use one, the other, or both, on a contract-by-contract basis.