For crypto brokers & OTC desks

Client fiat at a PSP. Digital assets at a custodian. Month-end is the join you do by hand.

Most brokers run two ledgers that were never designed to talk to each other — a fiat rail and a crypto custodian — and reconcile them manually every close. Modality puts both in one account structure, on one record.
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The problem

Two ledgers, one auditor, zero patience

Client fiat sits at a PSP. Client BTC/ETH/SOL/XRP sits at a custodian. Neither system knows the other exists. Every reconciliation is a manual join — export one CSV, export the other, match by hand, hope nothing moved in between.

What changes on Modality

01

One account structure

Client fiat and BTC, ETH, SOL, XRP sit on the same record. Not a custody export joined to a bank CSV — one history, one export.

02

Fiat legs, your brand

Offer TRY, AED, ZAR, ILS and 31 other currencies as real balances to your clients, under your own brand, without opening a banking relationship in each.

03

Convert between any of them

RLUSD, USDC, USDT alongside 36 fiat currencies and four digital assets — convert between any pair, quoted before you commit.

04

The audit trail your auditor asks for first

One record across fiat and digital assets means one statement, one reconciliation, and no manual join at month-end.

Settlement assets

What actually moves
Stablecoins
RLUSDUSDCUSDT
Other assets
BTCETHSOLXRP

For partners

Have clients who need this?

Offer it under your brand. You keep the client and the sales. We run the platform. Regulated institutions hold the funds under their own licences. Nothing to build on your side.

Partner with us →
Same day. Every pair. No exceptions.

Genuinely — try. If we can't, we'll tell you on the call instead of in month three.

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FAQ

Questions from crypto brokers & OTC desks
Does Modality hold client fiat and crypto on the same ledger?

Yes. Client fiat and BTC, ETH, SOL and XRP sit on the same account structure and the same record, rather than a custody export that has to be joined to a bank CSV by hand at month-end.

Which stablecoins and digital assets settle on Modality?

RLUSD, USDC and USDT alongside BTC, ETH, SOL and XRP, plus 36 fiat currencies — convertible between any pair, with the rate quoted before you commit.

Is Modality a custodian or an exchange?

No. Modality is a technology services provider; the funds are held by regulated financial institution partners under their own licences, not by Modality directly.

Does this remove our manual reconciliation at close?

It removes the manual join specifically — fiat and digital assets land on one record and one export, instead of two systems that have to be matched by hand every month-end.