# Modality

> Modality is a technology layer for B2B cross-border payments, settled on stablecoin rails via direct currency pairs — no USD conversion in the middle. 36 currencies, 630 direct pairs, 63 payout countries, 24/7 settlement. Licensed partner institutions hold client funds and run the regulated activity under their own authorisations; Modality builds the integration, compliance, and settlement software on top.

Modality exists because most cross-border B2B payments still convert twice — once into USD, once out of it — even when neither party to the transaction wants dollars. That double conversion is a hidden tax on emerging-market and cross-currency trade. Modality settles direct pairs (EUR↔TRY, AED↔INR, GBP↔NGN, and 592 others) on stablecoin rails, quoting one spread up front instead of two hidden ones.

## Core facts
- 36 fiat currencies held as real account balances (not just onboarding reach)
- 630 direct currency pairs, no USD intermediary hop required
- 63 payout countries
- Settlement in minutes, 24/7 — not limited to banking hours
- Regulatory status: 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.

## Docs
- [Homepage — product, capabilities, coverage, FAQ](https://inmodality.com/)
- [Blog — corridor guides, stablecoin settlement explainers, industry analysis](https://inmodality.com/blog/)
- [Pair checker — estimate what a second currency conversion costs on a pair and volume (sample spreads, illustrative)](https://inmodality.com/pair-checker.html)
- [Global accounts](https://inmodality.com/accounts.html): balances in 36 account currencies on one record, direct pairs, 24/7 settlement, payouts in 63 countries.
- [Direct FX](https://inmodality.com/direct-fx.html): convert between any two of 36 account currencies on 630 direct pairs, one conversion, quoted before you commit, 24/7.
- [Payouts](https://inmodality.com/payouts.html): pay out on local rails in 63 countries from balances in 36 currencies; batches, approval thresholds, one reference.
- [Settlement](https://inmodality.com/settlement.html): the cross-border leg settles 24/7 on stablecoin rails; no pre-funding, no nostro accounts, no dollar in the middle.
- [One record](https://inmodality.com/one-record.html): balances in 36 currencies and 7 digital assets on one record; one reference from funding to payout.
- [Agent payments](https://inmodality.com/agent-payments.html): virtual cards for AI agents, funded from a stablecoin balance and converted into the merchant’s currency at checkout, inside limits set by the business. Early access.
- [Coverage — the 36 account currencies by region, 7 digital assets, 630 direct pairs and country availability](https://inmodality.com/coverage.html)
- [Developers — REST API and dashboard: quotes, conversions, payouts, webhooks; sandbox before contract](https://inmodality.com/developers.html)
- [Trust and security — how Modality is structured, what partners hold and do](https://inmodality.com/trust.html)
- [Sitemap](https://inmodality.com/sitemap.xml)

## Use cases
- [All use cases: find your segment](https://inmodality.com/use-cases.html): The eight segments in one place, each with the problem today, what changes with Modality, and an example pair.
- [Stablecoin Settlement for Corporate Treasury](https://inmodality.com/for/corporate-treasury.html): Move value between your own entities without three banking relationships and a two-day wait.
- [Stablecoin Rails for Crypto Brokers & OTC Desks](https://inmodality.com/for/crypto-brokers.html): Client fiat and BTC/ETH/SOL/XRP in one account structure, on one record.
- [Stablecoin Settlement for Freight & Logistics](https://inmodality.com/for/freight-logistics.html): Pay carriers, agents and ports in their invoice currency, even on corridors banks treat as exotic.
- [Stablecoin Settlement for FX Brokers](https://inmodality.com/for/fx-brokers.html): Quote pairs your liquidity provider doesn't cover, and settle same-day instead of T+2.
- [Stablecoin Settlement for Import & Export](https://inmodality.com/for/import-export.html): Invoice in your currency, get paid in theirs, at a rate you saw before you agreed to it.
- [Stablecoin Payouts for Marketplaces & Platforms](https://inmodality.com/for/marketplaces-platforms.html): Pay sellers in their own currency instead of settling EUR and letting their bank convert at retail.
- [Stablecoin Settlement for Payment Service Providers](https://inmodality.com/for/payment-service-providers.html): Add 36 currencies to your payout menu without 35 banking relationships.
- [Stablecoin for Trade & Commodity Finance](https://inmodality.com/for/trade-commodity-finance.html): Direct settlement on corridors where neither side wants USD but both get charged for one anyway.

## Key articles
- [What Is Stablecoin Settlement? (A Plain Definition)](https://inmodality.com/blog/what-is-stablecoin-settlement.html)
- [630 Currency Pairs: What Direct FX Coverage Actually Looks Like](https://inmodality.com/blog/595-currency-pairs.html)
- [The Dollar Tax: What It Costs to Route EUR→TRY Through New York](https://inmodality.com/blog/dollar-tax-eur-try.html)
- [Correspondent Banking vs Stablecoin Settlement](https://inmodality.com/blog/correspondent-banking-vs-stablecoin.html)
- [One API Instead of a Banking Relationship Per Corridor](https://inmodality.com/blog/stablecoin-payment-api.html)

## Recent articles
- [ZAR and ILS accounts: what to check before you rely on a rand or shekel balance](https://inmodality.com/blog/zar-ils-account-balances-what-to-check.html)
- [Why cross-border B2B payments get stuck or returned: a diagnostic by cause](https://inmodality.com/blog/why-cross-border-b2b-payments-get-returned.html)
- [Twelve questions to ask a stablecoin settlement provider before you integrate](https://inmodality.com/blog/stablecoin-settlement-provider-due-diligence-questions.html)
- [Banks close at the weekend. Client orders do not.](https://inmodality.com/blog/settle-client-fiat-on-weekends-crypto-brokers.html)
- [Closing the month on hundreds of merchant balances in different currencies](https://inmodality.com/blog/marketplace-month-end-close-merchant-sub-balances.html)
- [Build or buy stablecoin payment infrastructure: what you own either way](https://inmodality.com/blog/build-vs-buy-stablecoin-payment-infrastructure.html)
- [AED to TRY: settling the UAE–Türkiye corridor without a dollar leg](https://inmodality.com/blog/aed-try-corridor.html)
- [The Correspondent Bank Fee Breakdown Table Nobody Shows You](https://inmodality.com/blog/correspondent-bank-fee-breakdown-table.html)
- [Settle EUR-TRY, GBP-NGN, AED-INR Without USD — Stop Paying the Dollar Tax](https://inmodality.com/blog/settle-eur-try-gbp-ngn-aed-inr-without-usd.html)
- [USD Detour Tax Explained: the dollar detour ends here](https://inmodality.com/blog/usd-detour-tax-explained.html)
- [Visa Stablecoin Settlement: the dollar detour ends here](https://inmodality.com/blog/visa-stablecoin-settlement.html)
- [Stablecoin Treasury Management: the dollar detour ends here](https://inmodality.com/blog/stablecoin-treasury-management.html)
- [Stablecoin Treasury: the dollar detour ends here](https://inmodality.com/blog/stablecoin-treasury.html)
- [Stablecoin Settlement Volume: the dollar detour ends here](https://inmodality.com/blog/stablecoin-settlement-volume.html)
- [Stablecoin Settlement Platform: the dollar detour ends here](https://inmodality.com/blog/stablecoin-settlement-platform.html)
- [Stablecoin Settlement: the dollar detour ends here](https://inmodality.com/blog/stablecoin-settlement.html)
- [Stablecoin Payment API: the dollar detour ends here](https://inmodality.com/blog/stablecoin-payment-api.html)
- [Non-Custodial Stablecoin Settlement: What It Means and What It Doesn't](https://inmodality.com/blog/non-custodial-stablecoin.html)
- [Global B2B Cross Border Payments: the dollar detour ends here](https://inmodality.com/blog/global-b2b-cross-border-payments.html)
- [Direct Currency Pairs Stablecoin: the dollar detour ends here](https://inmodality.com/blog/direct-currency-pairs-stablecoin.html)
- [Cross Border Payments Without Swift: the dollar detour ends here](https://inmodality.com/blog/cross-border-payments-without-swift.html)
- [Cross Border Payment Rails: the dollar detour ends here](https://inmodality.com/blog/cross-border-payment-rails.html)
- [Best Stablecoin Payment Platform: the dollar detour ends here](https://inmodality.com/blog/best-stablecoin-payment-platform.html)
- [B2B Cross Border Payments Companies: the dollar detour ends here](https://inmodality.com/blog/b2b-cross-border-payments-companies.html)
- [B2B Cross Border Payments: the dollar detour ends here](https://inmodality.com/blog/b2b-cross-border-payments.html)
- Full archive: https://inmodality.com/blog/ (RSS: https://inmodality.com/blog/feed.xml)

## Partner program
Partners are firms that already have clients who move money across currencies and do not want to build a payments business to serve them: OTC desks and crypto brokers, payment providers and marketplaces, FX brokers and money-service businesses, and independent operators with their own client book. The partner owns the client relationship and the sales. Modality runs the accounts, direct conversion, settlement and the compliance programme. Regulated financial institution partners hold the funds under their own licences and authorisations. Revenue is shared. Detail and a 15-minute call: https://inmodality.com/partners.html

## Contact
- Demo / sales: https://inmodality.com/#demo
- Partnerships: https://inmodality.com/partners.html
- LinkedIn: https://www.linkedin.com/company/inmodality
- X: https://x.com/inModality
- [Corridors](https://inmodality.com/corridors.html): corridor guides between two account currencies, each a direct pair with no USD leg.

- [Careers](https://inmodality.com/careers.html): vision, how we work, what you get and open roles: [Technical Product Manager, AI](https://inmodality.com/careers/tpm-ai.html), [Senior Backend Engineer, AI](https://inmodality.com/careers/backend-engineer-ai.html), [Country Representative Manager](https://inmodality.com/careers/country-manager.html), [GTM Marketing Manager, CRM](https://inmodality.com/careers/gtm-marketing-manager.html), [KYC/KYB Analyst](https://inmodality.com/careers/kyc-kyb-analyst.html).