Global Reach.
Every Payment Rail.
ModernRails provides a single platform and API to send, receive, and reconcile payments across FedNow, RTP, ACH, Fedwire, SWIFT, and Stablecoin rails—domestically and globally.
talk to salesModernRails provides a single platform and API to send, receive, and reconcile payments across FedNow, RTP, ACH, Fedwire, SWIFT, and Stablecoin rails—domestically and globally.
talk to sales6+
Rails
100+
Country Reach
24/7
Instant Payments
T+0 / T+1
Private Settlement Network Clearing
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
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
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
FX Support
FedNow / RTP
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
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
FX Support
Account-to-Account
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
Stablecoin
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
FX Support
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
FX Support
ModernRails gives your business access to the most important payment rails in the world—ACH, Fedwire, FedNow, RTP, 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.
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ModernRails Private Settlement Network

Direct Settlement = Faster Finality
Stablecoin Settlement Powered by Wallet Integration

ModernRails embeds enterprise-grade compliance at every layer — screening transactions, recording audit logs, and enforcing governance rules across all rails and corridors.
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ModernRails serves banks, credit unions, fintechs, and global platforms that need modern payment rails
Banks & Credit Unions
Expand beyond legacy infrastructure
Offer modern domestic and cross-border payments through a platform built for institutional compliance and operational control.

Fintechs & Embedded Platforms
Embed payments within your application
Use APIs or white-labeled interfaces to move money, screen users, and stay audit-ready — all without managing the back-end rails.

Marketplaces & Global Businesses
Power global payouts at scale
Effortlessly reconcile and ledger transactions from both bank and non-bank data sources in one central hub.
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For Non-Technical Teams
Send & monitor payments from a dashboard, manage roles and approvals, no code required.
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For Developers
Full-featured APIs, webhooks, and integrations to embed rails into your platform.


ModernRails is led by people who have spent decades inside capital markets, banking, and payment systems — building for accuracy, governance, and stability.

David Joon Park is a financial services entrepreneur and operator with deep experience across capital markets, banking infrastructure, and financial technology. A graduate of Tulane University, he began his career on Wall Street at Dean Witter Reynolds (now Morgan Stanley), trading derivatives and building a rigorous, market-driven foundation. He has since founded and scaled companies across payments, banking, wealth, and financial infrastructure, including FintechAutomation, UniFi, AccelerationCloud, ModernRails, ChargIt, DeFi Exchange, RetireBetter, and FamilyWealth—focused on institutional-grade systems, automation, and scalability.
Over the course of his career, Park has founded Austin Capital Trust and spent nine years leading a merchant banking fund, completing more than 30 buy-side acquisitions. He is the soon-to-be-published author of How Money Became Code: The Hidden Infrastructure of Payments, Power, and Global Finance. His work spans traditional banking, fintech platform development, and next-generation core operating systems—bridging legacy financial discipline with modern infrastructure where accuracy, governance, and stability matter more than raw speed or UI polish.

Raghu Sastry is a seasoned technology executive, inventor, and problem‑solver with over two decades of experience driving innovation across semiconductors, enterprise infrastructure, mobile platforms, and fintech. His technical expertise includes VLSI design, server and storage systems, mobile application development, and payment and compliance solutions for banking and financial services.
Raghu has held senior technical leadership roles at Agilent Technologies, PMC‑Sierra, Junowallet, and Zeuss Technologies, and currently serves as Chief Technology Officer at ModernRails, where he leads technology strategy and product innovation. He holds a Ph.D. in Computer Science from the University of South Florida, is named on nine U.S. patents, and has published more than 20 research articles.

Fuad Mekhti is an investment banking and corporate finance executive with extensive international experience across mergers and acquisitions, equity capital markets, financial technology, real estate, and strategic investments. He joined ModernRails as Executive Vice President, Global Payments, in March 2026, following several years of close collaboration with founder David Park and the leadership team. Throughout his career, he has held senior leadership positions at major investment banks, financial institutions, and international industrial groups across the United States, Europe, the CIS, and emerging markets.
Fuad is the founder of Quantum International, a New York–headquartered investment and merchant banking firm, and previously led the M&A and Equity Capital Markets divisions at one of the largest financial groups in Europe and the CIS. He is also the Founder and CEO of YAS Capital, a real estate debt and equity investment and advisory firm, and Co-Founder and CEO of NovaCore Investments, a private investment firm focused on high-growth technology sectors. He serves as Chairman of the Council of the Foundation for the Support and Development of International Financial Center, majority owner of International Trading Systems within the Astana International Financial Centre. His academic background spans law, finance, and real estate, including Executive Education in Mergers and Acquisitions at Harvard Business School.

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Access enterprise-grade rails, streamline operations, and unlock global scale — all from one platform.
