This work presents DCFlow, a novel unsupervised cross-modal flow estimation framework that integrates a decoupled optimization strategy and a cross-modal consistency constraint. Unlike previous approaches that implicitly learn flow estimation solely from appearance similarity, we introduce a decoupled optimization strategy with task-specific supervision to address modality discrepancy and geometric misalignment distinctly. This is achieved by collaboratively training a modality transfer network and a flow estimation network. To enable reliable motion supervision without ground-truth flow, we propose a geometry-aware data synthesis pipeline combined with an outlier-robust loss. Additionally, we introduce a cross-modal consistency constraint to jointly optimize both networks, significantly improving flow prediction accuracy. For evaluation, we construct a comprehensive cross-modal flow benchmark by repurposing public datasets. Experimental results demonstrate that DCFlow can be integrated with various flow estimation networks and achieves state-of-the-art performance among unsupervised approaches.