Treasury Architecture for Platforms: The First Decision Is Whose Account the Money Lands In
Platforms usually start payment selection with which provider is cheapest and which channels it supports, but everything downstream is fixed by an earlier question - whose account the money lands in. That single decision locks onboarding eligibility, fund path, invoicing entity and tax jurisdiction, and changing it later means rebuilding. This article compares four treasury architectures and explains why cross-border is harder than domestic.