// 36 ACCOUNT CURRENCIES · 630 DIRECT PAIRS · 24/7 SETTLEMENT

You own the client.We run the currencies.

For PSPs, brokers and platforms that serve their own clients. No dollar in the middle.

Check a pair first·A person replies, not a bot·Licensed in Singapore and Abu Dhabi

ACCOUNTS
EUREuro184,220.00
TRYTurkish lira6,412,900.00
36 ACCOUNT CURRENCIES
ONE RECORD · SAMPLE DATA
DIRECT PAIRS
EUR → TRY AED → INR PLN → GBP
630 DIRECT PAIRS
ONE CONVERSION, NOT TWO VIA USD
DIGITAL ASSETS
RLUSD · USDC · USDT
BTC · ETH · SOL · XRP
SAME BOOK AS YOUR FIAT
SETTLEMENT
24/7 settlement
SEPA · SEPA Instant
Faster Payments
SWIFT
// 8 SEGMENTS · ONE INTEGRATION

Who it's for.

Pick yours. Each page opens on the pair you would run first.
Payment service
providersEUR → TRY01 Crypto brokers
& OTCUSDC → TRY05
Trade &
commodity financeAED → INR02 Corporate
treasuryGBP → AED06
LogisticsAED → KES03 FX brokersCHF → ILS07
Marketplaces
& platformsEUR → ZAR04 Import
& exportPLN → GBP08
ONE INTEGRATION / ONE RECORD
API + dashboard
Run Modality inside your own finance stack. REST for your team, a dashboard for everyone else.
DEVELOPER OVERVIEW →
Build with us
Put Modality under a product for your clients, with your brand in front.
PARTNER WITH US →
// WHAT IT DOES

Five modules.
One API, one record.

Start with the one you are missing. Add the rest on the same record, under the same reference.

01

Accounts

Balances in 36 currencies on one record, funded over SEPA, SEPA Instant, Faster Payments and SWIFT. Hold the currency your counterparty is paid in, instead of a bank account per currency.

multi-currency balanceslocal rails inone record
SAMPLE DATA
Balances · 36 currencies
EUR
SEPA · SEPA Instant
184,220.00
GBP
GBP
Faster Payments
92,410.00
TRY
Turkish lira
6,412,900.00
AED
UAE dirham
512,040.00
Digital assets · 7
$
USDC
same record
860,000.00
R
RLUSD
same record
120,000.00
02

Direct pairs

630 direct pairs. EUR→TRY is one conversion and one spread, not two through USD. The rate is quoted before you commit.

quote, then convertno USD legone spread
SAMPLE DATA
You sendBalance 184,220.00
250,000.00 EUR
They receive
9,512,500.00 TRY
1 conversion · no USD leg
Converted
03

Payouts & settlement

Settlement runs 24/7 over stablecoin rails, then pays out on local rails across 63 countries. One reference follows every payment, so matching is a lookup.

global payouts24/7webhooks
SAMPLE DATA
Payout batchref inv-2291
Supplier · Istanbul
TRY 412,000.00
QueuedSettled
Seller · Warsaw
PLN 86,500.00
QueuedSettled
KES
Carrier · Mombasa
KES 1,240,000.00
QueuedSettled
Settlement24/7
Matchingby reference
04

Digital assets

RLUSD, USDC, USDT, BTC, ETH, SOL and XRP on the same record as your fiat. Client money and digital assets close the month in one book.

7 digital assetsone book
SAMPLE DATA
One book
Client fiatEUR 1,204,000.00
Client fiatTRY 3,880,000.00
Digital assetsUSDC 860,000.00
Digital assetsBTC 4.2100
RLUSDUSDCUSDTBTCETHSOLXRP
05

Controls

Roles and approval thresholds on the API and the dashboard, tested in a sandbox before you are contracted. Payment, custody and exchange run through regulated partners under their own licences.

rolesapproval thresholdssandbox
SAMPLE DATA
RequestStatus
PO
Payout · TRY 412k
above threshold
Needs approvalApproved · CFOSent
CV
Convert · EUR→AED
within limit
Approved
SB
Sandbox key
test environment
Active
// DEVELOPERS

Quote. Convert.
Get told when it settles.

REST API for your team. A dashboard for the people who would rather not open a terminal. Same primitives on both.

Quotes, conversions, payouts, webhooks
Roles and approval thresholds, on API and dashboard
Sandbox: test before you are contracted
One reference, passed end to end for matching
Request sandbox access Developer overview → 
# quote request
{
  "from": "EUR",
  "to": "TRY",
  "amount": "250000.00"
}

# response
{
  "quote": "q_8f2c…",
  "pair": "EUR/TRY",
  "legs": 1,            ← one conversion, no USD leg
  "expires_in": 30
}▍
Illustrative request shape. Reference docs on request.
// QUOTE YOUR CORRIDOR

Pick a pair. Get a quote.

Choose what you send and what they receive. One conversion, no dollar in the middle.

1 conversion · no USD leg · the rate is quoted before you commit
Get a quote for EUR → TRY
Your company SAMPLE DATA
You send
EUR250,000.00EUR
1 conversion · no USD leg
They receiveRate held 30s
TRY9,517,543.86TRY
1 EUR = 38.0702 TRY · sample rate, not a quote
  1. Quoted
  2. Converted
  3. Settled
// BEFORE THE CALL

Four things people ask first.

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.

With regulated financial institution partners, under their own licences and authorisations. You keep the customer relationship and Modality provides the software layer.

// GET A QUOTE

Tell us your use case.
We'll show the route.

A call on your pairs, your volumes and your flow. You see the route and how a quote works for your corridor.

NOT READY TO TALK? Check another pair→ Read the API overview→ Request sandbox access→ Build a product on Modality→

// Get a quote · one step

Get a quote for your pair.

Pick the pair and leave a work email. A person replies with the route and how a quote works for your corridor.

By sending, you agree that Modality may contact you about this request. Name, company and timeline are optional on the next screen.

A person replies, not a bot Modality on LinkedIn Licensed in Singapore and Abu Dhabi →

Modality is a technology services provider — not a bank and not a licensed money transmitter.

Get a quote