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 sales

6+

Rails

100+

Country Reach

24/7

Instant Payments

T+0 / T+1

Private Settlement Network Clearing

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

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

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

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

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

Interface
API

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

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, 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.

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
Account-to-Account
Cheaper & faster international transfers

What It Enables

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

Rail(s) Behind It

Account-to-Account
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

Participating banks settle directly on-platform with prefunded accounts, reducing cost and delay for cross-border and treasury flows.

Direct Settlement = Faster Finality

Stablecoin Settlement Powered by Wallet Integration

Through wallet integrations, ModernRails enables near-instant, compliant settlement with full transparency, bridging fiat and digital rails.

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

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.

Launch and Scale Payments
With or Without Developers

For Non-Technical Teams

Send & monitor payments from a dashboard, manage roles and approvals, no code required.

Send and monitor payments from a secure dashboard
View transaction history, FX rates, and audit logs
Manage roles, limits, and compliance approvals
No code or dev resources required
Learn More

For Developers

Full-featured APIs, webhooks, and integrations to embed rails into your platform.

Use RESTful APIs to initiate payments across any rail
Automate KYC/KYB, payment retries, webhook alerts
Integrate with your existing workflows
Full documentation and sandbox environment available
Learn More

Led by Experts Who Know Financial Infrastructure

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

David Joon Park

Founder & CEO

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

Raghu Sastry, Ph.D.

CTO

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

Fuad Mekhti

EVP, Global Payments

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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Ready to Modernize Your Payments?

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