/* OpenHero source by Cristian Olivera Chávez. MIT License Copyright (c) 2026 Cristian Olivera Chávez Permission is hereby granted, free of charge, to any person obtaining a copy of this software and associated documentation files (the "Software"), to deal in the Software without restriction, including without limitation the rights to use, copy, modify, merge, publish, distribute, sublicense, and/or sell copies of the Software, and to permit persons to whom the Software is furnished to do so, subject to the following conditions: The above copyright notice and this permission notice shall be included in all copies or substantial portions of the Software. THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE. */ "use client"; import { useEffect, useRef, useState } from "react"; import { Icon } from "@iconify/react"; const navItems = [ { label: "Products", icon: "ph:caret-down-bold" }, { label: "Solutions", icon: "ph:caret-down-bold" }, { label: "Resources", icon: "ph:caret-down-bold" }, { label: "About", icon: "ph:caret-down-bold" }, { label: "Pricing" }, ]; const features = [ { icon: "ph:globe-hemisphere-west-light", title: "Cross-Border Liquidity", description: "Multi-entity consolidation across 130+ currencies. Settle global obligations instantly without correspondent banking friction.", }, { icon: "ph:chart-line-up-light", title: "Liquidity Forecasting", description: "Predictive models engineered for treasury teams. Visualize cash burn, runway, and float with perfect granular clarity.", }, { icon: "ph:database-light", title: "Real-time Ledgers", description: "Double-entry immutability at web scale. Programmatic money movement backed by synchronous API reconciliation.", }, ]; export default function Page() { const heroRef = useRef(null); const featuresRef = useRef(null); const navRef = useRef(null); const [scrolled, setScrolled] = useState(false); useEffect(() => { const onScroll = () => { const scrollY = window.scrollY; setScrolled(scrollY > 50); if (heroRef.current) { heroRef.current.style.transform = `translateY(${scrollY * 0.4}px)`; heroRef.current.style.opacity = `${Math.max(0, 1 - scrollY / 600)}`; } if (featuresRef.current) { featuresRef.current.style.transform = `translateY(-${scrollY * 0.15}px)`; } }; onScroll(); window.addEventListener("scroll", onScroll, { passive: true }); return () => window.removeEventListener("scroll", onScroll); }, []); useEffect(() => { const observer = new IntersectionObserver( (entries) => { entries.forEach((entry) => { if (entry.isIntersecting) { entry.target.classList.add("active"); observer.unobserve(entry.target); } }); }, { root: null, rootMargin: "0px 0px -10% 0px", threshold: 0.1, } ); document.querySelectorAll("[data-reveal]").forEach((el) => observer.observe(el)); return () => observer.disconnect(); }, []); const handleLiquidMove = (e: React.MouseEvent) => { const target = e.currentTarget; const rect = target.getBoundingClientRect(); const x = e.clientX - rect.left; const y = e.clientY - rect.top; target.style.setProperty("--x", `${x}px`); target.style.setProperty("--y", `${y}px`); }; return (

Radically different banking

Apply online in 10 minutes to experience financial infrastructure built for the scale of the modern internet.

Sub-millisecond finality Automated reconciliation
{features.map((feature, index) => (

{feature.title}

{feature.description}

))}
MODERN TREASURY

Modern Treasury is a financial technology company, not a bank. Banking services provided by global partner institutions.
High-Finance B2B Protocol • Pearl Mode Architecture

); }