Modulo Labs

What Modulo Labs does

Modulo Labs, Inc. (operating as Modulo Finance) is a California-incorporated, privately-held developer of a non-custodial, cross-chain DeFi platform built on Solana, founded in 2023. The company's core product, Modulo Vault, is positioned as a unified vault that lets users borrow, stake, lend, swap, and send native digital assets — including BTC, ETH, SOL, XRP, and DOGE — without wrapping, bridging, or switching wallets. The product surface is structured around a four-layer proprietary architecture (Wallet, Logic, Protocol, Integration) and is complemented by the Modulo Wallet browser extension, the Modulo Swapper for peer-to-peer asset swaps routed through independent market makers and third-party Dapps, Modulo Cash for stablecoin interactions with third-party financial institutions, and a Username System that maps social handles (Telegram, WhatsApp, Discord) to wallet receiving addresses.

The platform's business model is transaction-based and PLG-distributed. Modulo earns revenue from blockchain network fees, swap fees, and partner fee-sharing arrangements with searchers, validators, and market makers; pricing is not publicly itemized and is disclosed at the point of transaction. The go-to-market is community-led: the company operates a Telegram channel of approximately 43,991 members and a Discord server, distributes via the Google Chrome Web Store and the modulo.finance web domain, and acquires users through a waitlist at hub.modulo.finance with early-user reward incentives. The company is privately held with 1–10 employees, a single disclosed funding event involving Draper Associates (amount undetermined), no public revenue or ARR figures, and no third-party API, SDK, or developer platform. Modulo's core differentiation is cross-chain UX simplification (single vault, native asset support, passkey authentication replacing seed phrases, fixed-rate borrowing) rather than proprietary AI/ML capability.

Name

Modulo Labs

Legal name

Modulo Labs, Inc.

Website

https://modulo.finance

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

Modulo Labs (Modulo Finance) is a Solana-based non-custodial DeFi platform offering a unified cross-chain vault for borrowing, lending, and trading native crypto assets without bridges. It serves crypto-native users via a product-led, community-driven model earning transaction and partner fees.

Ownership category

akta.pro rank

Product category

Decentralized Finance (DeFi) Wallet

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Securities and Commodity Exchanges (523210)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Institutional DeFi & On-Chain Liquidity Infrastructure (Permissioned DeFi, Lending) (FSAGAMAG)

akta.pro secondary industries

Interoperability & Cross-Chain Infrastructure (Bridges, Messaging, Atomic Swaps) (FSAGAMAI), Tokenized Real-World Assets & On-Chain Treasuries (tokenized T-bills, money markets, cash management) (FSAPAEAJ)

Keywords

• Cross-chain DeFi
• Non-custodial wallet
• Crypto lending borrowing
• Decentralized finance platform
• Blockchain asset management

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Infrastructure, Personnel, Marketing or Sales, Operations

Revenue model

1. Transaction/Gas Fees: Users pay gas or network fees for transactions on the Solana blockchain and other networks. Transactions presented as 'gasless' may still require fees to process on the blockchain network.
2. Swap Fees: Fees charged on token swaps executed via Market Maker quotes or on third-party exchanges through the Swapper interface. Fees are displayed at time of access.
3. Partner Fee Sharing: Modulo has arrangements with partners (searchers and validators) who share fees earned from price movements, arbitrage opportunities, priority execution, and priority transaction processing. Market Makers may also pay fees to Modulo for transactions executed via the Swapper.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Modulo is a non-custodial, cross-chain DeFi super-app that consolidates borrowing, staking, lending, and trading across dozens of blockchains into a single unified vault. Users can post native assets (BTC, ETH, SOL, XRP, DOGE, Stellar, and more) without wrapping or bridging, access top DeFi protocols (Aave and others) through an integration layer, and use passkey-based login instead of seed phrases. The product is delivered as a web app and browser extension, with peer-to-peer swaps via professional market makers and stablecoin-to-bank functionality through Modulo Cash.

Product overview

Modulo is a unified cross-chain DeFi platform consisting of the Modulo Vault as its core product, supported by the Modulo Wallet (self-custody wallet and browser extension), the Modulo Swapper (for peer-to-peer asset swaps via market makers and Dapps), Modulo Cash (for stablecoin interactions with financial institutions), and the Modulo Username System (for simplified asset receiving via social handles). The platform operates across four architectural layers: a Wallet Layer supporting native assets (BTC, ETH, SOL, XRP, and more), a Logic Layer for real-time collateral routing, a Protocol Layer for lending, borrowing, swapping and staking, and an Integration Layer for accessing top DeFi protocols. All products share a non-custodial architecture where users maintain control of their private keys.

Differentiator

Problem solved

Functional benefit

Products and services

• Modulo Vault A unified, non-custodial cross-chain vault that lets individual crypto users borrow, stake, lend, and trade assets across dozens of blockchain networks (BTC, ETH, SOL, XRP, DOGE, Stellar, etc.) from a single interface without bridges, wrapping, or wallet switching.
• Modulo Wallet A self-custody wallet application and browser extension that enables individual crypto users to self-custody digital assets, retain control of private keys, link to decentralized applications (Dapps), perform peer-to-peer asset swaps, and engage with Modulo Cash functionality.
• Modulo Swapper An asset-swapping interface that provides quotes from independent professional market makers or executes swaps via third-party decentralized exchanges (Dapps) on a peer-to-peer basis for individual users within the Modulo app.
• Modulo Cash A suite of products enabling interaction between stablecoins and third-party financial institutions, facilitating transfers and financial-services integration for individual users (with KYC potentially required by partner institutions).

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability2 records

Feature12 records

Partnerships

Two partnerships are on record, tiered core.

• Market MakerscoreTechnology or IntegrationModulo has arrangements with independent professional market makers who provide quotes for peer-to-peer asset swaps via the Swapper interface. Modulo may receive fees from Market Makers when users execute transactions with them.
• Searchers and ValidatorscoreTechnology or IntegrationModulo has entered into arrangements with searchers and validators (Partners) to improve execution quality and user experience. Partners may share fees earned from price movements, arbitrage opportunities, priority execution, improvements in price execution, fulfillment of limit orders, and priority transaction processing.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Phantom Wallet: Phantom is a leading non-custodial crypto wallet originally built on Solana that has expanded to Ethereum, Polygon, and Base. It directly competes with Modulo's wallet-and-swap offering for crypto-native users seeking multi-chain DeFi access from a single interface.
• Rainbow Wallet: Rainbow is a consumer-focused Ethereum wallet with integrated swap and DeFi functionality, known for superior UX and mobile-first design. It competes with Modulo for the same mainstream crypto user seeking simplified DeFi access.
• Zerion: Zerion is a non-custodial DeFi portfolio tracker and swap interface that aggregates positions across multiple chains and protocols. It directly competes with Modulo's "Integration Layer" promise of unified multi-chain DeFi access from a single application.
• Rabby Wallet: Rabby is a multi-chain DeFi wallet built by DeBank specifically for power users with pre-transaction simulation and broad protocol support. It competes with Modulo in the cross-chain DeFi power-user segment that Modulo targets via its "Degens" customer segment.
• Backpack: Backpack is a multi-chain non-custodial wallet with integrated DEX, NFT, and DeFi features built by former FTX/Alameda team members. Like Modulo, it offers cross-chain trading, lending, and staking from a unified interface targeting crypto-native users.
• 1inch Wallet: 1inch is a DEX aggregator that also offers a self-custody wallet with cross-chain swap routing via its Fusion protocol. It competes directly with Modulo's Swapper feature by optimizing execution across DEXs and chains — and the Fusion/intent model may disintermediate Modulo's wallet-layer UX.

Broad incumbents

• Coinbase Wallet: Coinbase Wallet is a self-custody multi-chain wallet from Coinbase supporting Ethereum, Solana, Bitcoin, and more with integrated DEX aggregation. It is a broad incumbent with brand, regulatory clarity, and integration advantages that Modulo must compete against for the institutional and retail segments it lists.
• Exodus Wallet: Exodus is a multi-chain desktop and mobile non-custodial wallet supporting 250+ assets with built-in swap, staking, and portfolio features. It is a broad incumbent offering comparable cross-chain DeFi simplification to retail users that Modulo targets.
• MetaMask: MetaMask, built by Consensys, is the most widely used self-custodial wallet with multi-chain EVM support and a swap/bridge aggregator. It is the dominant incumbent that Modulo must differentiate against on UX and cross-chain reach (including non-EVM chains like BTC, XRP, SOL).
• Trust Wallet: Trust Wallet, owned by Binance, is a multi-chain non-custodial wallet supporting Bitcoin, Ethereum, Solana, and dozens of other chains with built-in swap and staking. It is a broad incumbent with comparable multi-asset, multi-chain coverage to Modulo's value proposition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/ModuloFinance

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Modulo Labs