Every market you add means another bank, another compliance review, another 3–9 months before the first payment moves. And once it's live, every payout that isn't in your core settlement currency gets converted at retail — a spread your merchant pays, and one you never see.
Your customer, your pricing, your commercial terms. Modality is invisible unless you decide otherwise — we hold no relationship and can't compete with you for it.
Quote the conversion yourself instead of passing every non-core payout through a correspondent bank's retail rate. The margin that used to leave the room stays with you.
35 currencies, 595 direct pairs, 63 payout countries — through a single API and a single onboarding, instead of a new banking relationship for every corridor you add.
If you're regulated, run the layer under your own authorisations. If you're not, licensed partners hold the funds and carry the regulated activity under their own licences.
| Correspondent routing (via USD) | Direct pair on Modality | |
|---|---|---|
| Conversions | Two — into USD, then out | One — native pair |
| Spread | Bundled into a bank's rate, undisclosed | Quoted before you commit |
| Who keeps the margin | The correspondent bank | You |
| Settlement | 1–3 days, banking hours | Minutes, 24/7 |
Genuinely — try. If we can't, we'll tell you on the call instead of in month three.
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