A Turkish supplier wants lira. A German buyer holds euros. Somewhere in between, the payment stops being about either currency and becomes about dollars — because that's the shared language every legacy corridor was built around. Nobody in the transaction asked for that. It's just what the system defaults to.
Native settlement means the corridor is built for the two currencies actually in use, not a third one bolted on as a translation layer.
The Corridor Problem, Not the Spread Problem
This isn't primarily about cost — it's about whether the corridor exists at all in a form that matches how the two parties actually operate. A EUR-TRY corridor built natively behaves differently than a EUR-USD-TRY workaround: fewer parties touch the funds, fewer institutions need to reconcile, fewer places for a payment to stall over a weekend or a bank holiday.
36 Currencies, Built as Corridors
Modality supports 630 direct pairs across 36 currencies and 63 countries — not as a list of currencies Modality happens to touch, but as corridors built to move value the way the corridor actually runs, on rails including SEPA, SEPA Instant, SWIFT, Faster Payments, and local schemes, settled through RLUSD, USDC, or USDT. The stablecoin leg runs 24/7, so a corridor doesn't go quiet because it's Saturday in New York. Modality is the settlement rails layer between your business and the licensed institutions that hold the funds — never the custodian itself.
Talk to Modality. See your real rate before you commit.
FAQ: Native Currency Pairs Stablecoin
What does native currency-pair settlement mean for stablecoins?
It converts directly between two currencies -- like EUR to TRY -- instead of forcing every trade through a USD leg first. Modality supports 630 of these direct pairs.
What backs the stablecoins used in B2B settlement?
Modality's rails use RLUSD, USDC, and USDT -- each backed per its own issuer's reserve model -- moved across BTC, ETH, SOL, and XRP chains plus SEPA, SWIFT, Faster Payments and local rails reaching 63 countries.
How does a stablecoin's peg work?
A stablecoin is designed to hold stable value against a reference asset, typically a fiat currency. Modality settles using RLUSD, USDC and USDT across BTC, ETH, SOL and XRP chains rather than issuing its own.
Related: Like-for-like settlement: what it is and where it stops working.