---
updatedAt: 2026-09-18T14:53:30.000Z
agentTools:
  projectIndex: https://docs.moderntreasury.com/platform/llms.txt
---

# Getting Started

The Modern Treasury API is organized around REST. Our API has predictable resource-oriented URLs, accepts JSON request bodies, returns JSON-encoded responses, and uses standard HTTP response codes, authentication, and verbs. You can use the Modern Treasury API in a sandbox environment without affecting your live data or interacting with real banking networks. The API key you use to authenticate determines whether a request runs in live mode or in the sandbox.

By default, sandbox environments are configured for payment service provider (PSP) use. If you're a first-time user getting started with Modern Treasury through the PSP, refer to the <Anchor label="Payments Quickstart" target="_blank" href="https://docs.moderntreasury.com/payments/docs/quickstart">Payments Quickstart</Anchor>.

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