Stablecoin payment infrastructure for global businesses

Global accounts. Direct pairs. One API.

Built onSEPASEPA InstantSWIFTFaster PaymentsRLUSDUSDCUSDT

Hold balances in 35 currencies, pay out to 63 countries, and settle any of 595 pairs directly over non-custodial stablecoin rails — 24/7, quoted before you commit, no correspondent banks, all through a single API.

Get a demo Try the pair checker
  • No local entity
  • No pre-funding
  • No nostro accounts
  • 24/7 settlement
  • Partner-licensed
app.modality / accounts Sandbox Sample data, not live rates
EUR1,240,500.00
TRY18,420,000.00
AED2,310,750.00
BRL4,905,200.00

ConvertDirect pair

They receive9,600,000.00TRY
Rate (sample)
1 EUR = 38.40 TRY
Route
EUR to TRY, 1 conversion
Settlement
Same day
QuotedHeldConvertedSettled

Payments4 shown

ReferencePairAmountState
inv-2291EUR to TRY250,000.00Settled
po-1180AED to INR480,000.00Converting
pay-0417BRL to MXN1,200,000.00Quoted

EventsSample events

    Two ways in

    Same rails. Different door.

    For your own payments

    Move money in your business

    Pay suppliers, contractors and vendors across 35 currencies and 595 direct pairs — no dollar leg, no correspondent banks, one API.

    Get a demoSee use cases
    For your customers

    Launch a payments product under your brand

    Already have a customer base? Spin up a licensed, multi-currency payments product on our rails — live in weeks, your brand in front, your upside.

    Apply to partner

    Which door fits you?

    Two questions

    Are you paying your own suppliers, contractors or vendors across currencies?

    Do you have customers you would offer a payments product to?

    Answer both for a quick pointer. We confirm the right fit on the call.

    Direct pairs

    Built different

    Three things nearly nobody else does.

    35

    Currencies you can hold

    Real balances, not onboarding reach. Any of 595 pairs, converted directly.

    AlternativesThree: USD, EUR, GBP

    One

    Conversion, not two

    EUR = TRY. Both legs native, so there's no dollar in the middle taking a second spread.

    AlternativesRoute via USD, pay twice

    24/7

    Settlement

    Weekends, holidays, three in the morning. Money doesn't observe banking hours.

    · settlement open

    Alternatives9–5, business days, cut-offs

    The route your money takes

    Your payment gets passed between banks. Each one takes a cut.

    1. Funds leave your account

      EUR in, TRY out. Nothing is lost yet.

    2. Two conversions

      One into USD, one out of it. Each one takes a spread.

    3. Days in transit

      The typical dollar route takes 2 to 5 business days, counted on business days only.

    4. Remove the intermediary

      Without the dollar there is one conversion, direct, and it settles the same day.

    5. Compare

      1.5 to 3% is typical on the dollar route. The direct pair is one spread, quoted before you commit.

    Try the pair checker

    The dollar tax, quantified

    What the second spread costs you

    Pick a pair and a monthly volume. We show what a three-currency rail takes in a second conversion, versus one on Modality. Figures use sample spreads and are illustrative, not a quote.

    All 35 currencies are in the picker.

    EUR to TRY
    MeasureCorrespondent routeModality route
    Settlement time2–5 daysSame day
    Total cost1.5–3%One spread
    Availability9–524/7/365
    ConversionsTwoOne
    Rate knownAfterBefore

    Typical correspondent path: fees and FX markup across all legs.

    Estimate for the second spread alone

    Monthly volume$1,000,000
    Three-currency rail (2 spreads)$7,000 / mo
    Modality (1 spread)$3,500 / mo

    You avoid roughly $3,500 each month

    Sample assumption: each currency conversion adds 0.35% all-in. Real pricing is quoted before you commit, and major-to-major pairs need no dollar leg at all.

    Get the real number →

    Where Modality sits

    A technology layer. Not a bank, not a broker.

    Four layers move B2B money: your business, our settlement layer, licensed partners who hold the funds, and the rails underneath. We do one of them — which is why we structurally can't compete with you for your customer.

    Pick a capability to see what it does.

    LAYER_01 // YOUR BUSINESS
    • Customer relationships
    • Commercial terms
    • Your ledger
    • API or dashboard
    LAYER_02 // MODALITY SETTLEMENT LAYER

    Accounts, balances, quotes, conversion, routing, settlement, webhooks. Software only, no custody.

    Hold real balances in 35 currencies without opening a bank account or incorporating in each market.

    • 35 fiat currencies, held as balances
    • Named accounts where the rail supports it
    • Sub-accounts per entity, customer or purpose
    • No local entity, no local banking relationship
    LAYER_03 // LICENSED PARTNERS
    • Custody of client funds
    • Regulated activity
    • Settlement execution

    Regulated banks, payment institutions and custodians hold and move funds under their own authorisations. We never take custody — structurally, not contractually.

    LAYER_04 // RAILS
    • SEPA
    • SEPA Instant
    • SWIFT
    • Faster Payments
    • RLUSD
    • USDC
    • USDT

    Why a layer, and not a licence See the full architecture

    Coverage

    Thirty-five currencies you can hold.

    Not onboarding reach. Not a country count. Currencies you can keep a balance in, convert from, and settle out of.

    35Fiat currencies

    Real balances, not onboarding reach.

    595Direct pairs

    Any pair, converted directly. No dollar in the middle.

    63Countries

    Local rails where they exist, correspondent networks where they don't.

    7Digital assets

    RLUSD, USDC, USDT and BTC, ETH, SOL, XRP.

    Show the full list of 35

    Americas 4

    • USD
    • CAD
    • MXN
    • BMD

    Europe 10

    • EUR
    • GBP
    • CHF
    • SEK
    • NOK
    • DKK
    • PLN
    • CZK
    • HUF
    • BGN

    Middle East 9

    • AED
    • SAR
    • QAR
    • KWD
    • BHD
    • OMR
    • JOD
    • ILS
    • TRY

    Asia-Pacific 8

    • JPY
    • CNY
    • HKD
    • SGD
    • INR
    • THB
    • AUD
    • NZD

    Africa 4

    • ZAR
    • KES
    • MUR
    • MAD

    35 currencies, 595 pairs, one spread. Still routing through a dollar?

    Get a demoApply to partner

    Use cases

    Who runs on it.

    Businesses moving recurring B2B payments across currencies. Pick a segment.

    FromYour payout menu
    To35 currencies

    One conversion, no dollar leg.

    With Modality

    Add 35 currencies to your payout menu without 35 banking relationships. Capture the FX spread you currently give away.

    Read more

    Developers

    Two front doors.

    REST API for your team. Dashboard for the people who'd rather not open a terminal.

    • APIQuotes, conversions, payouts, webhooks.
    • DashboardSame primitives, no code.
    • Roles and approval thresholdsOn both.
    • SandboxTest before you're contracted.
    • One recordReference passed end to end for matching.
    # quote request
{
  "from": "EUR",
  "to": "TRY",
  "amount": "250000.00"
}
    Illustrative request shape. Reference docs on request.

    Built around trust

    The architecture, not a policy.

    We never hold your funds. That's not a policy — it's the architecture.

    01

    Partner-licensed

    Regulated banks, payment institutions and custodians hold and move funds under their own authorisations. We never take custody — structurally, not contractually.

    02

    Compliant

    We write the policies and stand up the compliance programme — KYC/KYB, AML, monitoring, reporting — behind every payment.

    03

    Non-custodial

    Software only. Your funds sit with licensed partners, never with us — so we structurally cannot compete with you for your customer.

    Licensed partners own

    • Custody of client funds
    • Regulated activity under their own licences
    • Settlement execution on payment rails
    • The regulatory perimeter

    Modality owns

    • Integration: API, dashboard, webhooks
    • Compliance programme design: KYC/KYB, AML
    • IT security and operational resilience
    • Transaction record-keeping

    Read the full trust & security breakdown

    Company

    We're building the settlement layer for money that doesn't move in dollars.

    Thirty-five currencies. Five hundred and ninety-five direct pairs. One technology layer over licensed rails.

    The problem

    Currency was never a business decision. It was plumbing wearing a commercial disguise.

    You don't invoice in zloty because your bank doesn't settle zloty. You quote in dollars — not because the deal is in dollars, but because dollars are what your rail speaks. Your customer eats the conversion, or you do — either way it comes out of the margin.

    Adding a currency today means a banking relationship, a local entity, a compliance review, and a pre-funded account that strands your capital. That's not infrastructure. That's procurement.

    The mission

    Currency should be a parameter.

    Nine months of procurement, or a string. That's the whole difference, and it's the entire company. No entity, no relationship, no pre-funding, no project — the currency stops being a constraint you plan around and becomes a field you fill in.

    Adding a currency · before

    • Bank relationship3–9 months
    • Local entityRequired
    • Pre-funded accountCapital stranded
    • Compliance reviewQuarterly, forever

    Adding a currency · on a layer

    { "to": "TRY" }
    • Settlement in minutes, not days
    • One spread, quoted before you commit
    • Programmatic, via one API

    A licence is a permission with edges. Software is what you put on top of everyone else's edges.

    If you want three currencies, own your rails — it's the better business. If you want thirty-five, you have to be a layer.

    Blog

    From the blog.

    All posts
    01

    The Correspondent Bank Fee Breakdown Table Nobody Shows You

    Every cross-border payment you send pays a toll to a system built for a world that no longer exists.     02

    USD Detour Tax Explained: the dollar detour ends here

    The dollar isn't a law of physics.     03

    Settle EUR-TRY, GBP-NGN, AED-INR Without USD — Stop Paying the Dollar Tax

    The dollar is an accident, not a law.

    People also ask

    The questions that come up on the call.

    Are you a bank?

    Modality is a technology layer. Licensed partners hold client funds and run the regulated activity under their own authorisations. We build the software and run the integration, compliance and security around it. The separation is structural, not a clause in a contract.

    Where does my money actually sit?

    With regulated institutions. We never take custody. You keep the customer relationship and we keep the layer. Because we hold neither the relationship nor the funds, we structurally cannot compete with you for your customer.

    What does it cost?

    One spread, quoted before you commit. No second conversion through a currency you didn't ask for, and no rate discovered after execution. The dollar tax is the part most providers don't show you until the money has moved.

    Which currencies can I really hold?

    Thirty-five, as real balances you can convert from and settle out of. Not onboarding reach, not a country count. The full list is in the coverage section above.

    What if my pair isn't covered?

    We tell you honestly, on the call, not in month three. Every pair someone checks and can't get is a data point we use to decide what to add next.

    Do you take my customer?

    No, and not by choice alone. The architecture makes it impossible. We hold no relationship and no funds, so there is nothing to sell. Most platforms in this category eventually do the opposite. Ours is the reverse bet.

    Who is this actually for?

    Businesses moving recurring B2B payments across currencies — payment service providers, trade finance desks, marketplaces, crypto brokers, corporate treasury teams, FX brokers, freight and logistics operators. If that's not the shape of your flow, say so on the call and we'll tell you honestly whether we're the right layer. This isn't built for one-off personal transfers or consumer remittance — that's a different product, and a different set of partners handle it better than we would.

    Same day. Every pair. No exceptions.

    Quoted before you commit, settled the same day — 24/7, weekends included.

    15 seconds, no audio. Global accounts. Direct pairs. One API.