Coverage
36 currencies you can hold a balance in
Every currency below is an account currency: you can hold a balance in it, and convert between any two of them on a direct pair. That is 630 direct pairs, one conversion each, with no dollar in the middle. Digital assets and countries are listed further down because they answer different questions.
Source: Modality coverage sheet, July 2026. Checked against the homepage on 5 November 2026. Coverage is subject to onboarding, eligibility and regulatory review.
Account currencies by region
36 in total: 5 in the Americas, 10 in Europe, 9 in the Middle East, 8 in Asia-Pacific and 4 in Africa.
| Code | Currency | Region |
|---|---|---|
| USD | US dollar | Americas |
| CAD | Canadian dollar | Americas |
| MXN | Mexican peso | Americas |
| BRL | Brazilian real | Americas |
| BMD | Bermudian dollar | Americas |
| EUR | Euro | Europe |
| GBP | Pound sterling | Europe |
| CHF | Swiss franc | Europe |
| SEK | Swedish krona | Europe |
| NOK | Norwegian krone | Europe |
| DKK | Danish krone | Europe |
| PLN | Polish zloty | Europe |
| CZK | Czech koruna | Europe |
| HUF | Hungarian forint | Europe |
| BGN | Bulgarian lev | Europe |
| AED | UAE dirham | Middle East |
| SAR | Saudi riyal | Middle East |
| QAR | Qatari riyal | Middle East |
| KWD | Kuwaiti dinar | Middle East |
| BHD | Bahraini dinar | Middle East |
| OMR | Omani rial | Middle East |
| JOD | Jordanian dinar | Middle East |
| ILS | Israeli new shekel | Middle East |
| TRY | Turkish lira | Middle East |
| JPY | Japanese yen | Asia-Pacific |
| CNY | Chinese yuan | Asia-Pacific |
| HKD | Hong Kong dollar | Asia-Pacific |
| SGD | Singapore dollar | Asia-Pacific |
| INR | Indian rupee | Asia-Pacific |
| THB | Thai baht | Asia-Pacific |
| AUD | Australian dollar | Asia-Pacific |
| NZD | New Zealand dollar | Asia-Pacific |
| ZAR | South African rand | Africa |
| KES | Kenyan shilling | Africa |
| MUR | Mauritian rupee | Africa |
| MAD | Moroccan dirham | Africa |
Digital assets
7 in total.
Stablecoins (3): RLUSD USDC USDT
Other digital assets (4): BTC ETH SOL XRP
630 direct pairs
Any two of the 36 account currencies form a direct pair: 36 × 35 ÷ 2 = 630. A direct pair is one conversion with one quoted spread, and the rate is quoted before you commit. EUR to TRY, AED to INR and GBP to PLN style routes do not pass through USD. Pick a pair to see the difference.
Country availability
63 countries. This list is separate from the account currencies above: a country on it does not mean its local currency is one of the 36.
Europe · 31
Austria, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Guernsey, Hungary, Ireland, Isle of Man, Italy, Jersey, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Spain, Sweden, Switzerland, United Kingdom
Latin America and Caribbean · 15
Anguilla, Antigua & Barbuda, Bahamas, Belize, Bermuda, Brazil, British Virgin Islands, Cayman Islands, Colombia, Costa Rica, Dominica, Saint Lucia, St. Vincent & Grenadines, Turks & Caicos, Uruguay
Asia-Pacific · 6
Australia, Hong Kong, Malaysia, New Zealand, Singapore, Vanuatu
Africa · 5
Comoros, Kenya, Mauritius, Seychelles, South Africa
North America · 3
Canada, Mexico, United States
Middle East · 3
Israel, Turkey, United Arab Emirates
Frequently asked questions
Which currencies can I hold a balance in on Modality?
Modality offers 36 account currencies, which are currencies you can hold a balance in: 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, MAD. The table on this page lists them by region with their full names.
Can I hold ZAR and ILS balances?
Yes. ZAR (South African rand) is listed under Africa and ILS (Israeli new shekel) under the Middle East; both are among the 36 account currencies. Coverage is subject to onboarding, eligibility and regulatory review.
Can I hold TRY and AED balances?
Yes. TRY (Turkish lira) and AED (UAE dirham) are both among the 36 account currencies, listed under the Middle East. Coverage is subject to onboarding, eligibility and regulatory review.
How many currency pairs are there, and do they route through the dollar?
Any two of the 36 account currencies form a direct pair, which gives 630 pairs (36 × 35 ÷ 2). A direct pair is one conversion with one quoted spread and no USD leg in the middle.
Which digital assets does Modality cover?
Seven: three stablecoins (RLUSD, USDC, USDT) and four other digital assets (BTC, ETH, SOL, XRP).
Is a country on the availability list the same as a currency I can hold?
No. Country availability and account currencies are separate lists. A country on the list does not mean its local currency is one of the 36 account currencies.
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