“Can a digital-first trade finance platform become the embedded payments and BNPL rail for the long tail of SME cross-border commerce?”
MODIFI was founded as a digital cross-border trade finance platform offering invoice factoring and B2B BNPL to SME exporters and importers globally. The company has progressively expanded from pure trade finance into broader cross-border payments infrastructure, partnering with Airwallex in 2023 to launch its Global Account Solution. It now positions itself as a 'business payments for global commerce' platform combining BNPL-style trade financing with a multi-currency payments rail. A partnership API launched to allow B2B marketplaces and logistics platforms to embed MODIFI's trade financing into their own products.
MODIFI discloses Airwallex as its banking provider, according to the Embedded Finance Index 2026.
MODIFI does not disclose a bank charter of its own; its banking services are provided through Airwallex.
MODIFI processes payments through MODIFI Trade Finance Platform (self-operated).
MODIFI uses Airwallex for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 5 layers in MODIFI's stack: Payments / PSP (MODIFI Trade Finance Platform (self-operated)); Banking / BaaS (Airwallex); Lending (Invoice Factoring, Export Finance, B2B Buy-Now-Pay-Later (up to 180 days) and Trade Finance (up to $15M credit limit)); Unified APIs (Airwallex); FX & payouts (Airwallex).
MODIFI was founded by Nelson Holzner, Sven Brauer and Jan Wehrs and is headquartered in Amsterdam, Netherlands (MODIFI B.V.) / Berlin, Germany (MODIFI GmbH).
Get a read on where your own stack stands against MODIFI and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.