Global Reach.
Every Payment Rail.

ModernRails provides a single platform and API to send, receive, and reconcile payments across instant payment, ACH, wire, SWIFT, and stablecoin rails—domestically and globally.

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USDT

USDC

BTC

GBP

ETH

USD

EUR

SGD

USDT

USDC

BTC

GBP

ETH

USD

EUR

SGD

USDT

USDC

BTC

GBP

ETH

USD

EUR

SGD

Every rail. One platform.

ModernRails gives your business direct access to the essential domestic and cross-border rails that power global commerce. From domestic to international, fiat to stablecoin, we help you move money through the rail that best fits your speed, cost, and delivery needs.

ACH Transfers

Low-cost, reliable batch payments across the U.S.

Use Cases:

Payroll

Vendor Payments

Treasury Ops

Processing Time

T+1 (standard), same-day ACH optional

Settlement Type

Net settlement via NACHA

Availability

United States

Cost Efficiency

Very low transaction fees

MR Support

Interface

API

FX Support

Fedwire

Real-time gross settlement (RTGS) for large USD transfers.

Use Cases:

High-Value Settlement

Institutional Transfers

Corporate Escrow

Processing Time

Real-time (within Fed hours)

Settlement Type

RTGS

Availability

U.S. financial institutions

Cost Efficiency

No practical cap

MR Support

Interface

API

FX Support

Instant Payments

24/7 real-time USD transfers for consumers and businesses.

Use Cases:

Instant Payouts

Digital Wallets

P2P Payments

Processing Time

Instant (<15s)

Settlement Type

Real-time (FedNow or RTP)

Availability

U.S. domestic participants

MR Support

Interface

API

FX Support

SWIFT Wire Transfers

Secure global transfers between financial institutions.

Use Cases:

Cross-Border Payments

Vendor FX
Settlement

Bank-to-Bank Transfer

Processing Time

1–3 business days (T+1/T+2 typical)

Settlement Type

Correspondent Bank Network

Coverage

200+ countries, 11,000+ institutions

FX Handling

Support FX conversion

MR Support

Interface

API

FX Support

via enterprise-grade FX providers

Private Settlement Network

Closed-loop cross-border rails enabling faster, lower-cost settlement between trusted counterparties.

Use Cases:

Bank-to-Bank Settlement

Marketplace Payouts

Corporate Treasury

Assets Supported

Multi-currency support (USD, EUR, GBP, and more).

Settlement Speed

Near-real-time within network; T+0 or T+1 finality.

Interoperability

Can connect to traditional rails (SWIFT, Fedwire) and alternative rails (stablecoin).

Cost Efficiency

Lower FX spreads and reduced intermediary fees compared to SWIFT.

MR Support

Interface

API

Stablecoins

Tokenized USD transfers with near-instant settlement and transparency.

Use Cases:

Digital Asset Platforms

Underbanked Market Access

Instant Treasury Ops

Assets Supported

USDC, USDT (custody via licensed partners)

Compliance

KYC/KYB required per jurisdiction

On-off Ramp

On-chain settlement and fiat on/off-ramp available through integrated partners

MR Support

Interface

API

FX Support

FX conversion support available via partners

Checks

Traditional paper check processing for legacy workflows.

Use Cases:

Government Disbursements

Insurance Claims

Offline Accounts Payable

Processing Time

3–7 business days (mail + clearing)

Delivery Method

Physical mail

Availability

U.S. only (or selective international via vendor)

Benefit

Reduces friction when recipients lack digital options

MR Support

Interface

API

FX Support

Power real business outcomes

ModernRails gives your business access to the most important payment rails in the world—ACH, wire, instant payment, SWIFT, stablecoins, and more. Each one unlocks a new way to serve customers, pay vendors, or enter new channels. Whether through API or interface, you choose how money moves.

What the Rails Unlock

Global disbursements in local currency

What It Enables

Pay vendors, contractors, or creators worldwide without local bank presence

Rail(s) Behind It

SWIFT

FX Integration

Stablecoin

Instant payouts & cross-border availability

What It Enables

Serve consumers, or business platforms with 24/7 money availability

Rail(s) Behind It

FedNow

RTP

Private Settlement Network

Global disbursements in local currency

What It Enables

Replace correspondent chains with direct payout rails or digital settlement for lower fees and faster delivery

Rail(s) Behind It

Private Settlement Network

Stablecoin

Embed programmable finance in your product

What It Enables

Embed multi-currency wallets, top-ups, and payouts into your platform

Rail(s) Behind It

Wallet APIs

Stablecoin

Automate treasury & vendor flows

What It Enables

Schedule and reconcile thousands of domestic B2B payments directly over ACH and Wire.

Rail(s) Behind It

ACH

FedWire

Support check-based clients or legacy flows

What It Enables

Handle mail-in payments, back-office clearings, or government clients still reliant on checks

Rail(s) Behind It

Check processing

Faster Global Settlement
Private Network + Stablecoin

ModernRails Private Settlement Network

ModernRails’ private settlement network allows participating institutions to transact directly on-platform, bypassing long correspondent chains. Payments clear in near real-time with full auditability, delivering speed, predictability, and cost efficiency for cross-border and treasury flows.

Direct Settlement = Faster Finality

Stablecoin Settlement Powered by Wallet Integration

ModernRails enables institutional-grade stablecoin settlement through integrated wallet and custody partners. This provides 24/7 cross-border transfers with near-instant settlement and full transparency, bridging traditional banking rails with next-generation digital infrastructure.

Compliance That Moves With Every Payment

ModernRails embeds enterprise-grade compliance at every layer — screening transactions, recording audit logs, and enforcing governance rules across all rails and corridors.

Built for Institutions Powering the Future of Payments

ModernRails serves banks, credit unions, fintechs, and global platforms that need modern payment rails — without stitching together outdated systems or siloed providers.