B2B money movement has four layers. Most providers blur them — which is how a platform ends up integrated with a counterparty who also wants your customer. Modality does one layer, and doesn't touch the other three.
Your customers, your brand, your commercial terms, your licence if you hold one.
Accounts, balances, quotes, conversion, routing, settlement, webhooks, and the record of what happened. Software only.
Regulated banks, payment institutions and custodians hold and move funds under their own authorisations.
Local schemes, correspondent networks, and public blockchains that carry the payment.
You keep the customer relationship. Modality provides the software layer.
Payment, custody and exchange services come from regulated partners under their own licences. Modality is the software layer.
Regulated banks, payment institutions and custodians hold and move funds under their own authorisations. Modality is the software layer on top.
We write the policies and stand up the compliance programme — KYC/KYB, AML, monitoring, reporting — behind every payment.
Software only. Payment, custody and exchange services come from licensed partners under their own authorisations, and you keep the customer relationship.
// Licensing
Modality is a technology services provider, not a bank or a licensed money transmitter. Client funds, conversion, payouts and digital-asset services in a Modality flow are provided by licensed institutions under their own authorisations.
No. 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.
With regulated financial institution partners, under their own licences and authorisations. You keep the customer relationship and Modality provides the software layer.
We write the policies and stand up the compliance programme — KYC/KYB, AML, monitoring, reporting — and run the day-to-day business operations behind the product. If you're a regulated firm yourself, you act under your own permissions and remain responsible for your customer relationship, onboarding and regulatory obligations.
Security, incident response, continuity and operational resilience are ours to own and answer for at the technology layer — the controls a regulator and an auditor will ask about. Custody-level security controls sit with the licensed partner holding the funds.
No — and we'd rather say so here than have you find out in month three. Coverage is subject to onboarding, eligibility and regulatory review. If a corridor isn't a fit, we tell you honestly on the call.
We're early — no public uptime dashboard or named reference customer yet. What we can do is walk your team through the architecture and the partner structure directly, on a call.
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