Modulr is building a US sales organization "from scratch" for earned wage access, business payments and non-bank lending, and its September press release says existing and new customers can now open US accounts with ACH, RTP and FedNow. But modulrfinance.com has no US page: /us returns 404, the menu has no US entry, the lending page still describes Faster Payments, SEPA and sort codes, and the platform pricing page lists only GBP and EUR pay-outs. A US lender or wage-access platform that hears about Modulr at a conference lands on a UK site.
First action
Draft the /us page from the Cogent press release and the VP job description this week.
How to measure it
Qualified US demo requests
- Now
- –
- Target
- 30 a month
- By
- 90 days
Steps
Agree the story
One US proposition per segment, with rails and partners.
Senior Product Manager - US Payments 3 days
Write the hub
/us with ACH, RTP, FedNow, same-day pay-outs and US accounts.
Senior Product Marketing Manager 1 week
Segment pages
Earned wage access, business payments, non-bank lending.
Senior Product Marketing Manager 1 week
US form and routing
A US demo form that books the US team directly.
Marketing Operations Lead 2 days
Add to the menu
A US entry in the main menu and a link from the lending page.
Marketing Operations Lead 1 day
Track
US visits, demos and pipeline in one report.
RevOps Director weekly
Add proof
The first US pilot story as soon as one is cleared.
VP Market Development - US 1 quarter
Why it works
Publish a US hub (/us) and three segment pages (earned wage access, business payments, non-bank lending) in US English with US rails, routing and account numbers, Cogent Bank and FIS as partners, a "UK customer expanding to the US" path, and a US demo form that goes straight to the US team. Add a US entry to the main menu and to the lending page.
The VP is asked to build brand presence and convert pilot references; every talk, outbound email and press mention needs a page that speaks to a US buyer, or the interest leaks to US-native rivals that already lead with ACH, RTP and FedNow.
Ready to use
ChecklistUS hub launch list
[ ] /us hub: ACH, RTP, FedNow, push-to-card, US accounts [ ] Pages for earned wage access, business payments, non-bank lending [ ] Partner banks and FIS named as in the press release [ ] US demo form routed to the US team [ ] US entry in the main menu [ ] US English spelling and USD examples [ ] Compliance review of account and bank wording [ ] Separate tracking for US traffic and demos
Risks and how to handle them
Regulatory wording in the US
Have Compliance review how partner banks and accounts are described.
Thin proof at launch
Lead with the UK track record and partners until US stories exist.
Evidence
- HiringVP Market Development - US (East Coast, posted September 18, 2026): build "the US sales organization from scratch" across "three segments - earned wage access, business payments, and non-bank lending"; Modulr "has launched the same programmable, API-first infrastructure across ACH, RTP, FedNow, and push-to-card networks"; the VP will "Execute on warm pipeline from existing UK customers with US operations and convert pilot customer references into scalable commercial motion" and "drive brand presence through speaking engagements and industry conferences".Source
- HiringSenior Product Manager - US Payments (posted October 9, 2026): "at the heart of Modulr's US expansion, taking a decade of UK and European payments experience into a brand new market"; the role will "work with commercial teams to pitch the product to prospects, collaborate with marketing teams to package and sell the proposition" and "be the point of contact for early customers".Source
- News coverageModulr press release, 23 September 2026: a partnership with Cogent Bank gives businesses access to "ACH, RTP, and FedNow networks through a single, streamlined platform"; "Existing and new Modulr customers can open U.S. accounts and make same-day and standard pay-outs"; it is "built for current Modulr customers scaling into the U.S." and "U.S.-native platforms" in "lending, earned wage access and payroll"; the release cites FedNow processing "$853bn in 2025".Source
- Your websiteSite check, October 22, 2026: the sitemap (389 URLs) has no US page and /us returns 404; the main menu lists Travel, Lending & Wage Advance, Merchant Payments and Investment & Wealth with no US entry; the lending page pays borrowers "via Faster Payments and SEPA" with "a unique sort code and account number"; the platform pricing page lists pay-outs in GBP and EUR plus SWIFT, with no ACH, RTP or FedNow; business plans are priced in GBP and EUR.Source
- Competitor researchRivals' own homepages: Modern Treasury, a "Multi-Rail PSP" with "one API, sub-accounts, and built-in compliance across ACH, RTP, FedNow, and wire"; Dwolla, "high-volume ACH and real-time bank payments through a single API integration"; Airwallex UK, "global business accounts, high speed transfers, multi-currency cards, online payments, embedded finance".Source