Integrating cross-border payments the traditional way means negotiating a relationship per corridor: a bank in one country, a correspondent in another, a reconciliation process that's different for each pair. Each one is its own onboarding, its own SLA, its own failure mode. A payment API that actually abstracts this gives you one integration surface instead of N banking relationships.
That's the difference worth building for, and it's a structural one, not a convenience layer on top of the same plumbing.
What the API Actually Replaces
Underneath, Modality's API quotes and executes against 630 direct currency pairs across 36 currencies — the corridor logic, the spread calculation, the rail selection (SEPA, SEPA Instant, SWIFT, Faster Payments, local schemes, or a stablecoin leg on BTC, ETH, SOL, XRP) all sit behind the call. You're not integrating a settlement network yourself. You're calling an endpoint that already has.
Why This Matters for a Technical Reader
Same-day settlement instead of 2-5 business days changes what you can build on top — refund flows, payout scheduling, reconciliation — because you're not designing around multi-day uncertainty. Settlement running 24/7 means your system doesn't need special-case logic for weekends or bank holidays. And because Modality is non-custodial — licensed partners hold the funds, Modality provides the routing and settlement software only — you're integrating a rails layer, not taking on custody risk as a side effect of calling an API.
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FAQ: Stablecoin Payment API
Is there a stablecoin settlement API for B2B payments?
Modality's settlement layer is API-first: one API connects a business to 630 direct currency pairs across 36 currencies and 63 countries, settling through licensed partners without integrating each corridor separately.
How do B2B stablecoin payments work end to end?
A business gets a quoted rate, converts and settles directly across one of 630 currency pairs, and the receiving side gets local currency -- non-custodially, since licensed partners hold the funds, not Modality.
What is a stablecoin payment platform for B2B businesses?
It's the technology layer between a business and licensed institutions -- quoting, converting and routing payments over stablecoin rails. Modality's version is non-custodial and settles 630 direct currency pairs.
Note: the 1.5–3% cost and 2–5 business day figures are Modality estimates for a typical correspondent-bank route, not a published benchmark. Actual cost and timing vary by corridor, currency pair, bank and amount.
Sources
- U.S. Government Publishing Office, Public Law 119-27 (GENIUS Act), 18 Jul 2025 govinfo.gov
- FATF, Virtual Assets and VASPs — Recommendation 15 updates fatf-gafi.org