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.
36 currencies, 630 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 |
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 →Genuinely — try. If we can't, we'll tell you on the call instead of in month three.
Get a quoteNo. Modality is a technology services provider, not a bank and not a licensed money transmitter. Payment, custody and exchange services are provided by regulated financial institution partners under their own licences and authorisations.
36 currencies across 630 direct pairs, reaching 63 countries, through a single API and a single onboarding instead of a separate banking relationship per market.
You do. Modality lets you quote the conversion yourself instead of routing non-core payouts through a correspondent bank's retail rate, so the spread stays with you rather than the bank.
Not necessarily. If you're regulated, you can run the settlement layer under your own authorisations. If you're not, Modality's licensed financial institution partners hold the funds and carry the regulated activity under their own licences.