ModernRails gives banks, credit unions, and fintechs a single interface for submitting and monitoring payments across ACH, wires, FedNow, SWIFT, stablecoin, and private settlement rails, with approval workflows, lifecycle tracking, and exception handling built in.
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Submit ACH, Same-Day ACH, Fedwire, FedNow, RTP, SWIFT, stablecoin, and check payments through API, operator interface, or bulk file upload.
Configurable multi-step approval logic with role-based permissions. High-value transactions require explicit authorization before passing instructions downstream.
Full payment lifecycle visibility from submission to settlement. Rail-specific cut-off times and settlement windows visible before submission.
Returns, recalls, and reversals handled per rail guidelines. Exceptions surfaced in real time with full transaction context, not discovered at end-of-day reconciliation.
NACHA file uploads and ISO 20022 batch ingestion for high-volume payment flows. Supports scheduled instructions with pre-validation.
RESTful API for automated payment initiation with webhook notifications. White-label operator interface available for institutions embedding ModernRails into existing client-facing environments. Sandbox and documentation provided.
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Every payment initiated through ModernRails publishes a governed event stream, feeding operations, treasury, compliance, and analytics from a single authoritative state.
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