ModernRails

Cross-Border Payments Are Surging—But Infrastructure Is Lagging Behind Global payments are accelerating at record speed. According to the Bank for International Settlements’ September 2025 update, daily cross-border payment volumes now exceed $16 trillion, up 14% year-over-year. Yet over half of these transfers still depend on legacy, batch-based systems that create slow settlements, high costs, and compliance bottlenecks. ModernRails delivers the next generation of global money movement. Our Cross-Border Payments infrastructure combines SWIFT, Fedwire, and FX conversion. Built-in compliance automation and ISO 20022 messaging ensure transactions move securely and transparently. With ModernRails, cross-border transfers become faster, cheaper, and more reliable — helping global payments keep pace with global growth. #CrossBorderPayments #GlobalFinance #PaymentInfrastructure #ModernRails #SWIFT #RealTimeFX #VirtualIBAN #Fintech #FinancialInnovation

Building the Future of Payments: Why ModernRails’ Payment Hub Is the Core of Next-Gen Banking PwC’s September 2025 report “Payment Hubs: Facilitating Future-Ready Banking” finds that 70% of banks still rely on fragmented ACH, wire, and cross-border systems. Payment hubs solve this by acting as a centralized layer that unifies payment types, automates workflows, and enables real-time, compliant processing. ModernRails delivers a Payment Hub infrastructure designed to unify domestic and international rails under one platform. The system integrates ACH, Fedwire, FedNow, RTP, and SWIFT, applying ISO 20022-standard messaging to harmonize data and enable real-time processing. Its cloud-native, API-driven architecture allows financial institutions and fintechs to connect seamlessly with existing systems while reducing reconciliation errors and improving visibility across payment operations. ModernRails transforms fragmented payment operations into a single, intelligent layer for orchestration, compliance, and automation — empowering institutions to process payments faster, scale securely, and adapt effortlessly to new rails and regulations. #PaymentHubs #ISO20022 #PaymentsModernization #ModernRails #Fintech #BankingTransformation #RealTimePayments #PaymentInfrastructure

Traditional Payment Rails, Modernized In Q2 2025 alone, the ACH network processed 8.7 billion transactions, moving $23.3 trillion across the U.S. These numbers underscore how deeply entrenched legacy rails like ACH, Fedwire, and even checks remain in the financial system — powering everything from payroll to government disbursements. Yet for many businesses, managing these disparate rails often means complexity, delays, and fragmented workflows. ModernRails brings them together on a single platform. From low-cost ACH batch payments to Fedwire’s real-time settlement for high-value transfers, from FedNow/RTP instant payments to check issuance for legacy workflows, we give your business direct access to the essential rails that move money. By unifying foundational rails under one API, ModernRails helps you choose the right channel for each transaction — optimizing for speed, cost, or delivery. #Payments #ACH #Fedwire #FedNow #RTP #Checks #ModernRails #FintechInnovation

Global Payments Made Local: Faster Disbursements, Stronger Growth Global cross-border payments are booming — valued at $212.55 billion in 2024, with projections to surpass $320 billion by 2030. Yet even at this scale, many businesses still face friction at the most critical stage: settlement in local currencies. Delays, hidden fees, and fragmented rails continue to drag down efficiency and growth. ModernRails changes that with its international transfer solution, combining SWIFT connectivity, ISO 20022 standards and built-in FX conversion. This means businesses gain global reach through the world’s most established payment network, benefit from richer and more transparent data for compliance and reconciliation, and settle directly in local currencies. For businesses scaling internationally, it delivers smoother disbursements, stronger relationships with global partners, and cash flow that keeps pace with growth. #GlobalPayments #CrossBorder #ModernRails #InternationalTransfers #Fintech #PaymentInnovation

FedNow Adoption Surges — How FinTechs Can Harness Real-Time Payments With ModernRails FedNow is quickly reshaping payments in the U.S. — transaction volume is up more than 1,200% year-over-year, and over 1,400 financial institutions are now connected. The message is clear: instant settlement is no longer optional, it’s becoming the standard. For FinTechs, this shift is an opportunity to build products that feel truly real-time. ModernRails provides direct FedNow connectivity, enabling instant transfers that can be embedded into wallets, payout flows, and consumer-facing apps. Instead of waiting hours or days, your users see funds clear in seconds — 24/7, 365. By plugging into ModernRails, FinTechs can skip legacy rails, reduce drop-off, and deliver the speed today’s customers expect. FedNow is here — and we make it ready for you to use. #FedNow #RealTimePayments #ModernRails #FinTech #InstantPayments

Visa B2B Connect Expands Coverage to Boost Cross-Border Payment Efficiency Visa B2B Connect has recently expanded its reach across more countries and regions, linking more financial institutions to enable greater transparency and efficiency in cross-border B2B payments. This signals a global shift: enterprises are demanding settlement infrastructure that is faster, clearer, and more reliable than what legacy rails can deliver. Traditional cross-border transfers still suffer from delays, opaque reconciliation, and regulatory friction. In a world where global trade and digital commerce move in real time, these inefficiencies are no longer sustainable. ModernRails addresses this challenge with its private settlement network. Transfers settle in seconds within our platform, eliminating the long wait times and complexities of correspondent banking. The result is instant liquidity, reduced FX exposure, and simplified reconciliation—giving businesses a settlement experience that feels local, even across borders. #InstantSettlement #ModernRails #CrossBorderPayments #RealTimeFinance #PaymentInfrastructure

Cross-Border Payments Face Pressure as Trillions Move Globally In the past month, regulators in Europe highlighted that more than €200 billion in capital remains locked up due to fragmented rules, slowing down the efficiency of cross-border transactions. At the same time, global trade flows are expanding rapidly — with retail cross-border payments expected to exceed $220 billion this year. The demand for faster, compliant, and more transparent infrastructure has never been stronger. ModernRails is addressing this challenge with its Cross-Border Payments solution, built for enterprises that need direct SWIFT connectivity at scale. Our payment infrastructure fully supports ISO 20022, the global standard for financial messaging that is replacing legacy protocols. With ISO 20022, cross-border transactions gain richer data, improved transparency, and stronger compliance — reducing errors, speeding up settlement, and making reconciliation far more efficient. For companies scaling internationally, this means payments that keep pace with both regulatory demands and business growth. #CrossBorderPayments #ModernRails #GlobalFinance #PaymentInnovation #VirtualIBAN #SWIFT #ISO20022

Cross-Border Payments Are Surging—But Infrastructure Is Lagging Behind Global commerce is evolving fast. According to Statista’s report, published in August 2025, cross-border payment volumes are expected to reach $290 trillion by the end of the year, with B2B transactions accounting for over $150 trillion. Yet, despite the scale, nearly 60% of global payments still rely on outdated, batch-based systems prone to delays, high fees, and compliance friction. This gap between demand and infrastructure is driving a shift toward purpose-built systems—ones that enable real-time, compliant, and scalable global money movement. That’s where Advanced Cross-Border Payments from ModernRails comes in. Our payment infrastructure provides direct SWIFT access, Fedwire integration, real-time FX via embedded liquidity, and multi-currency virtual IBANs—all on a cloud-native platform designed for secure, high-volume international transactions. Built-in compliance automation and ISO 20022 messaging keep you globally aligned without slowing you down. When cross-border payments can’t afford to wait, payment infrastructure can’t afford to fall behind. #CrossBorderPayments #GlobalFinance #PaymentInfrastructure #ModernRails #SWIFT #RealTimeFX #VirtualIBAN #Fintech #FinancialInnovation

Stablecoins Could Power 12% of Global Payments by 2030 Stablecoins, once a niche tool in crypto trading, are now moving closer to the core of global payments infrastructure. According to the joint Keyrock and Bitso report, they could account for 12% of cross-border payment volumes by 2030—or about $1 out of every $8 moved globally. That marks a dramatic rise from under 3% in 2024, with total volume potentially hitting $1 trillion within five years. This momentum is being driven by a convergence of factors: increasing regulatory clarity in major markets like the U.S. and Europe, growing liquidity, and a rising number of financial institutions recognizing the operational advantages of stablecoin rails. Faster settlement times, lower fees, and tokenized infrastructure are proving attractive for cross-border use cases. The adoption of stablecoin-compatible platforms is rapidly becoming a strategic necessity for businesses looking to streamline payments and reduce friction across international borders. As stablecoins evolve beyond just dollar-pegged assets and move into programmable settlement layers, they’re unlocking new efficiencies for treasury, vendor payments, and financial services alike. ModernRails’ Global Payments service enables businesses to plug into this shift seamlessly—offering one platform and API to send, receive, and reconcile payments across traditional and digital rails, including stablecoins. For businesses eyeing lower costs, real-time settlement, and broader reach, stablecoins aren’t just the future—they’re a growing part of today’s toolkit. #Stablecoins #GlobalPayments #CrossBorder #DigitalCurrency #Fintech #ModernRails #RealTimePayments #FutureOfMoney

ISO 20022 Unlocks the Future of Cross-Border Payments—And We’re Built for It The U.S. Faster Payments Council just dropped a major report—and it confirms what many in the industry already feel: ISO 20022 is more than just a messaging upgrade. It’s redefining how money moves across borders, industries, and income levels. From supplier payments to tourist transactions and inclusive access for emerging economies, ISO 20022’s structured, rich data enables faster reconciliation, lower friction, and truly global interoperability. As adoption grows, it’s becoming the connective tissue of modern financial systems. That’s why ModernRails was designed from day one to support this transformation. As an orchestration layer for domestic and cross-border payments, ModernRails integrates ISO 20022 messaging across SWIFT, Fedwire, stablecoins, and private settlement networks. Whether you're enabling near-instant FX transfers or embedding payment instructions into smart contracts, our platform translates fragmented rails into one connected experience. We don’t just support ISO 20022—we activate its full potential. #ISO20022 #CrossBorderPayments #RealTimePayments #FinancialInfrastructure #ModernRails #PaymentsInnovation