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Eight kinds of business that move money across currencies. What changes for each when the dollar leaves the middle.

Payment service providers

Today: Every currency your bank doesn't hold costs your merchants a second conversion.
With Modality: Add 35 payout currencies through one API and one onboarding, not a bank per corridor.

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Trade & commodity finance

Today: Neither side wants a dollar. Both pay for one anyway.
With Modality: The pair settles direct. One spread, quoted before you commit to the trade.

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Import & export

Today: You learn the rate after the money has already moved.
With Modality: Invoice in your currency, get paid in theirs, at a rate you saw first.

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Marketplaces & platforms

Today: You settle in euros and the seller's bank converts at retail.
With Modality: Pay each seller in their own currency from one balance, by file or by API.

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Crypto brokers & OTC

Today: Client fiat at a PSP, digital assets at a custodian, joined by hand at month-end.
With Modality: Fiat and digital assets on one record. One history, one export.

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Corporate treasury

Today: Moving money between your own entities runs through three banks.
With Modality: A sub-account per entity, one consolidated record, movement 24/7.

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FX brokers

Today: A client asks for a pair your liquidity provider doesn't cover.
With Modality: Quote it from 630 direct pairs and settle the same day.

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Freight & logistics

Today: Dozens of carriers and ports, each invoicing in its own currency.
With Modality: One instruction across currencies and counterparties. Beneficiaries saved once.

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