Modulr competitors for companies holding stablecoins
Among Modulr competitors, Unigox suits a company that holds stablecoins and wants EUR and GBP accounts in the same portal. Keep Modulr for payroll, supplier payments, Direct Debit and cards.
When to stay with Modulr
You automate payroll and supplier bills
Modulr syncs with accounting and payroll software, routes payments through approval workflows and reads invoices with AI. You pick a monthly plan on its site, from £16.25 for Payroll Payments, and an application is usually approved within 5 days.
You collect by Direct Debit or Pay by Bank
Modulr runs GBP Direct Debit and Variable Recurring Payments and starts Pay by Bank through Open Banking. VRP and Pay by Bank collections settle into your account over Faster Payments.
You need cards or more currencies
Modulr issues Visa and Mastercard cards, virtual or physical. It opens accounts in GBP, EUR, USD, CHF, JPY and several more, with a choice of local IBANs for EEA accounts, including Dutch, Spanish, French and Irish.
Modulr vs Unigox for company accounts
| Topic | Modulr | Unigox |
|---|---|---|
| What it is | A payments automation platform: accounts, collections, pay-outs and cards, through its API or the Modulr Portal. API keys come with an HMAC secret, and a sandbox is offered. | Company accounts with stablecoin balances in one Business Portal, and a Payments API for local payouts and collections settled in stablecoins. |
| Crypto and stablecoins | No crypto service on its site. A Financial Ombudsman decision quotes its acceptable use policy as excluding businesses and transactions that involve cryptocurrencies. Modulr has said it stopped marketing to crypto companies but still serves some. | Stablecoins sit beside EUR and GBP. You swap between them in the portal and move stablecoins to and from your Unigox Wallet. |
| Account details | UK accounts with a sort code and account number; EEA accounts with local IBANs, including Dutch, Spanish, French and Irish; further currencies such as USD, CHF and JPY. | Accounts in your company's name, beside stablecoins:
|
| Paying out | GBP and EUR around the clock over Faster Payments and SEPA Instant, SWIFT for other currencies, and recurring pay-outs by Direct Debit. | Two ways to pay out:
|
| Getting started | Choose a plan, set up the subscription payment and complete the application by email link. It is usually approved within 5 days; platform clients talk to sales. | Apply for business onboarding online and upload your KYB documents. The Unigox team reviews them, then sets up the products agreed with your company. |
| Pricing | Plans from £16.25 to £500 a month, each with a set number of GBP and EUR payments. Other currencies, on Accounts Payable plans only: £3 a payment plus 0.5% to 1.2% FX and SWIFT fees. Platform pricing on request. | No public price list:
|
| Regulation | Modulr FS Limited, an electronic money institution authorised by the FCA (FRN 900573), and Modulr Finance B.V., an electronic money institution regulated by De Nederlandsche Bank. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxThree steps to add stablecoin accounts
Apply and pass KYB
Start a company account application at Unigox for business, or book a call for the Payments API. Send your registration documents, ownership, source of funds and intended use; your Modulr checks do not carry over.
Open the accounts you need
Our team opens the approved EUR, GBP or USD accounts in your Business Portal, next to your stablecoin balances. For payouts, your developers build against the sandbox first.
Move the stablecoin flows
Give payers who settle with you in EUR or GBP your new account details, and swap to stablecoins when you need to. Payroll, Direct Debit and card spending can stay on Modulr.
Questions about Modulr competitors
Which Modulr competitors suit stablecoin companies?
Unigox is one: EUR and GBP company accounts sit in the same portal as stablecoins, with a swap between them. Modulr's site lists no crypto service. An Ombudsman decision quotes a policy line that excludes crypto businesses. Modulr has said it still serves some crypto companies, so ask Modulr whether it will serve yours.
See business accountsDoes Unigox have an API like the Modulr API?
For a narrower job. The Modulr API opens accounts, makes payments and issues cards, with HMAC-signed requests and a sandbox. The Unigox Payments API sends local payouts funded in USDT or USDC and takes local collections settled in them. It uses an X-API-Key header, signed webhooks and a sandbox opened after KYB.
See the Payments APIHow does Modulr pricing compare with Unigox?
Modulr publishes monthly plans from £16.25, with a set number of GBP and EUR payments included and a fee for each extra one. At Unigox there is no public price list: your account plan is agreed before you commit, and each Payments API quote shows its fees.
Can my company keep Modulr and add Unigox for stablecoins?
Yes, as two separate setups. Before you pay money from a Modulr account towards a stablecoin balance, check with Modulr: its acceptable use policy, as the Ombudsman quoted it, covers transactions that involve cryptocurrencies.
Hold EUR, GBP and stablecoins in one portal
Tell us which stablecoins you hold, who pays you in EUR or GBP and what stays on Modulr. We confirm the accounts and the pricing plan before you commit.
Modulr and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.