Roles and approvals
Who can view, who can move money and who approves above a limit.
AKTreasurerConvert · pay out
MRCFOApproves above limit
LTAuditorView only
One record
One book for fiat and digital assets.
Balances in 36 currencies and RLUSD, USDC, USDT, BTC, ETH, SOL and XRP on one record. One reference follows every payment, so month-end close is a lookup, not a project.
- Partner-licensedCustody and exchange with regulated partners
- One referenceFrom funding to payout
- SandboxTest before you are contracted
Balances
9 balances · one recordSample data
36account currencies
7digital assets
1record
1reference end to end
Trace a reference
Every leg under one reference.
Funding, conversion and payout carry the reference you set at the start. Pick one and see the whole payment, instead of matching three statements by hand.
Close the month in one book.
Client money and digital assets reconcile on the same record. Run the close and see what ties out and what needs a look.
October closeSample data
- Fiat balances tie out36 currencies · statement vs record
- Digital assets tie out7 assets · custody vs record
- References matched1,284 of 1,285 matched by reference
- 1 item to reviewref fx-7783 · GBP 40,000 · pending payout
Record view · October · sample
reference,type,currency,amount,status fx-7781,conversion,EUR,-250000.00,completed fx-7781,conversion,TRY,+9512500.00,completed po-2042,payout,KES,-640000.00,paid_out cl-0319,deposit,USDC,+860000.00,credited fx-7783,payout,GBP,-40000.00,pending
Controls on the same record.
Match by reference
Reconciliation is a lookup, on the API and in the dashboard.
ref fx-7781EUR 250,000matched
ref cl-0319USDC 860,000matched
ref fx-7783GBP 40,000pending
Webhooks per event
Every leg posts an event with the reference, so your ledger updates itself.
1→deposit.credited
2⇄conversion.completed
3✓payout.paid
Sandbox first
Test the whole flow before you are contracted. Switch to live when you are ready.
Test balances. No real money moves.
The record under every product.
Accounts, conversions and payouts all post to the same book.
Explore global accounts →Built for teams that close the books.
Frequently asked questions.
Bring last month's close to a call and we will show how it maps to one record.
Get a quoteWhat sits on the record?
Balances in 36 account currencies and seven digital assets: RLUSD, USDC, USDT, BTC, ETH, SOL and XRP. Funding, conversions and payouts post to the same record.
How does reconciliation work?
One reference follows each payment from funding to payout, so matching is a lookup by reference instead of lining up three statements by hand.
Who holds the digital assets?
Licensed partners provide custody and exchange under their own licences and authorisations. Modality builds the software and runs the integration around it.
Can different people see different things?
Yes. Roles and approval thresholds decide who can view, who can move money and who approves above a limit, on the API and in the dashboard.
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 · One record
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