Dashboard
Quote, convert and pay out without code. Same primitives as the API.
1EURFund over SEPA
2⇄Convert to TRY
3TRYPay out
Direct FX
Any two of 36 currencies. One conversion.
630 direct pairs between 36 account currencies. One spread instead of two, the rate quoted before you commit, and conversion that runs 24/7.
- Partner-licensedRegulated partners hold funds
- Quote firstRate known before you commit
- SandboxTest before you are contracted
EUR → TRYDirect
AED → INRDirect
GBP → PLNDirect
ZAR → EURDirect
BRL → EURDirect
CHF → ILSDirect
SGD → INRDirect
AED → CNYDirect
Per conversion
Via USD2conversions · 2 spreads
Direct1conversion · 1 spread
Illustrative
What the dollar leg costs
Illustrative, sample spreads
Via USD · 2 spreadsDirect · 1 spread
Second spread avoided$3,500per month
Sample assumption: each conversion adds 0.35% all-in. Real pricing is quoted before you commit, and major-to-major pairs need no dollar leg at all. Open the full pair checker →
36account currencies
630direct pairs
63payout countries
24/7settlement
Treasury without the dollar leg.
Quote, convert and pay out from one record. The cross-border leg settles 24/7, so a Saturday is a working day.
Follow every conversion
One reference from quote to payout. You see each step as it happens, on the API through webhooks and in the dashboard.
TrackingSample data
Sat 14:02 · ref fx-7781EUR 250,000 → TRY
Quote requested
Converted
one spread
one spread
Paid out
local rails
local rails
Weekend conversion completed.
Convert on the same record you hold and pay out from.
Direct FX sits between global accounts and payouts. One integration, one reference.
Explore global accounts →Tools your operations team will use.
Get a quoteMatch by reference
One reference follows every payment, so reconciliation is a lookup.
ref fx-7781EUR 250,000matched
ref fx-7782AED 90,000matched
ref fx-7783GBP 40,000pending
Roles and approvals
Who can quote, who can convert and who approves above a limit.
AKTreasurerQuote · convert
MRCFOApproves above limit
LTAnalystView only
Sandbox first
Test the whole flow before you are contracted. Switch to live when you are ready.
Test balances. No real money moves.
From sandbox to your first conversion.
Test everything before you are contracted. Then quote, convert and pay out on the same record.
Step 1
Test in a sandbox
Explore the API and the dashboard with test balances. No real money moves.
Request sandbox accessmodality.⇄ ConvertQuote, then convert▤ BalancesFunding and payouts
Recent conversions
EUR→TRYtest
AED→INRtest
GBP→PLNtest
Step 2
Quote, then convert
Pick the pair and the amount. You see the route and the quote before you commit, then convert in one step.
You sell
250,000
You buy
Quoted live
1 conversion · no USD legSample flow. Real quotes come from the dashboard or the API.
Step 3
Pay out on local rails
Pay out from the balance you converted into, across 63 countries, with the same reference.
Payout request receivedref fx-7781
AmountTRY 412,000.00
RailLocal rail
- Request processed
- Payment submitted
- Paid out
An API for the whole flow.
Quotes, conversions, payouts and webhooks over REST. The dashboard has the same primitives for the people who would rather not open a terminal.
Developer overviewRESTDashboardWebhooksSandboxIllustrative request shape. Reference docs on request.
Built for the desks that convert every day.
FX brokers
Offer clients direct pairs without building liquidity pair by pair.
CHF → ILS · Learn more → Crypto brokers & OTCHold client fiat in TRY, AED, ZAR, ILS and BRL. Settle on weekends too.
TRY → EUR · Learn more → Payment service providersAdd currencies for your merchants without a local entity per market.
EUR → TRY · Learn more →Frequently asked questions.
Bring your pair to a call and we will walk through the route and how a quote works for it.
Get a quoteWhat is Direct FX?
Conversion between any two of the 36 account currencies on a direct pair, without routing through the US dollar. You get a quote, convert in one step and can pay out from the balance you converted into, on the same record and with the same reference.
Why 630 pairs?
Any two of 36 currencies form a pair: 36 × 35 ÷ 2 = 630. Each one converts directly, in either direction.
Why does skipping the dollar matter?
A route through USD is two conversions, so you pay two spreads and wait on two legs. A direct pair is one conversion with one quoted spread. Major-to-major pairs often have no dollar leg at all; the difference shows on corridors like EUR to TRY, AED to INR or ZAR to EUR.
When do I know the rate?
Before you commit. You request a quote, see the rate and the fee, and only then convert.
Can I convert on a weekend?
Yes. The cross-border leg settles 24/7, so a conversion on a Saturday does not wait for Monday. Local payout rails keep their own schedules.
How is pricing shown?
Every conversion is quoted before you commit. The figures in the pair checker and on this page use a sample assumption and are illustrative, not a price.
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.
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. Coverage is subject to onboarding, eligibility and regulatory review.
Get a quote · Direct FX
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