No dollar in the middle
630 direct pairs. One conversion and one spread, with the rate quoted before you commit.
Global accounts
Hold 36 currencies.
Pay out in 63 countries.
Skip the dollar.
Balances in 36 account currencies on one record, funded over SEPA, SEPA Instant, Faster Payments and SWIFT. Convert any two on a direct pair, settle 24/7 and pay out on local rails.
- No local entity
- No pre-funding
- No nostro accounts
- 24/7 settlement
- Partner-licensed
BalancesSample data
Account currencies5 of 36
- EUREuroSEPA · SEPA Instant184,220.00
- GBPPound sterlingFaster Payments92,410.00
- TRYTurkish liraSWIFT6,412,900.00
- AEDUAE dirhamSWIFT512,040.00
- USDCUSD Coinsame record860,000.00
Why global accounts
Four things a bank account per currency can't do.
Settles on weekends too
The cross-border leg settles 24/7, then pays out on local rails. Friday afternoon is not a deadline.
Your client, your name
Your companyClient balances · 36 currenciesCurrency Multiple
Put accounts under a product for your clients, with your brand in front. You keep the client and the commercial terms.
No local entity per market
One integration covers the currencies and the payout countries. No entity, no pre-funding and no nostro account per market.
Multi-currency balances
Every balance on one record.
BalancesSample data
EUR184,220.00SEPA · SEPA Instant
GBP92,410.00Faster Payments
TRY6,412,900.00SWIFT
AED512,040.00SWIFT
USDC860,000.00Digital asset
BTC4.2100Digital asset
Total across 6 balancesOne recordEUR · GBP · TRY · AED · USDC · BTC
Incoming+ 40,000.00 EURSEPA Instant · credited to EUR balance
Received from a client in IstanbulTRY stays TRYHeld in TRY until you choose to convert
ref inv-2291MatchedInvoice ↔ payment ↔ payout, same reference
Convert
Any two of 36. One conversion.
Pick what you hold and what you need. The route goes straight across, not through the dollar.
EUR → TRY direct. One conversion, one spread, quoted before you commit. One of 630 direct pairs.
Get a quote for EUR → TRYPayouts
Pay out from the balance you hold.
63 countries
Type a country to check payout availability.
Settlement runs 24/7, then pays out on local rails across 63 countries.
Batches with one reference
Payout batchref inv-2291
Supplier · IstanbulTRY 412,000.00Queued
Seller · WarsawPLN 86,500.00Queued
Carrier · MombasaKES 1,240,000.00Queued
Sample data
Individual or batch payouts, with the same reference from invoice to settlement.
Approvals before money moves
POPayout · TRY 412kabove threshold
CVConvert · EUR→AEDwithin limitApproved
Sample data
Roles and approval thresholds on the API and the dashboard. Test it all in a sandbox before you are contracted.
Who uses global accounts
Start with the pair you run first.
FAQ
Frequently asked questions
What is a Modality global account?
A set of balances in 36 account currencies on one record. Money comes in over SEPA, SEPA Instant, Faster Payments and SWIFT. You can convert between any two of the 36 on a direct pair, settle the cross-border leg 24/7 and pay out on local rails across 63 countries.
Do I need a local entity in each market?
No. One integration covers the account currencies and the payout countries, with no local entity, no pre-funding and no nostro account per market. Coverage is subject to onboarding, eligibility and regulatory review.
Which currencies can I hold a balance in?
36 account currencies: USD, CAD, MXN, BRL, BMD, EUR, GBP, CHF, SEK, NOK, DKK, PLN, CZK, HUF, BGN, AED, SAR, QAR, KWD, BHD, OMR, JOD, ILS, TRY, JPY, CNY, HKD, SGD, INR, THB, AUD, NZD, ZAR, KES, MUR and MAD. The full list by region is on the coverage page.
How is this different from a bank account per currency?
Adding a currency through a bank usually means a banking relationship, a local entity, a compliance review and a pre-funded account in each market. Here every balance sits on one record, any two currencies convert directly and the cross-border leg settles 24/7.
Does converting between two currencies go through the dollar?
No. Any two of the 36 account currencies form a direct pair, 630 in total. A direct pair is one conversion with one quoted spread, and the rate is quoted before you commit.
Can I hold digital assets on the same record?
Yes. RLUSD, USDC, USDT, BTC, ETH, SOL and XRP sit on the same record as your fiat balances, so client money and digital assets close the month in one book.
Is Modality a bank? Where does the money sit?
Modality is a technology services provider, not a bank and not a licensed money transmitter. Licensed partners hold client funds and run payment, custody and exchange under their own licences and authorisations. We build the software and run the integration, compliance and security around it.
Can I offer global accounts to my own clients?
Yes. You can put Modality under a product for your clients, with your brand in front, and keep the client and the commercial terms. See Build with us.
How do I integrate?
Through a REST API for quotes, conversions, payouts and webhooks, or through the dashboard with the same primitives. Roles and approval thresholds work on both, and you can test in a sandbox before you are contracted.
Get a quote · Global accounts
Tell us your flow. 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.
- A person reads it.Your answers go to the people who will run the call, so it starts on your corridor, not on a sales script.
- Two slots or an honest no.We reply with two 15-minute slots, or an honest no with the reason.
- Sandbox before contract.Test the flow with test balances before you are contracted.
In a hurry? Write to open@inmodality.com
Bring your corridor.
A call on your pairs, your volumes and your flow. You see the route and how a quote works for your corridor.