> ## Documentation Index
> Fetch the complete documentation index at: https://docs.polygon.technology/llms.txt
> Use this file to discover all available pages before exploring further.

# Global remittance

> Cross-border money transfer: fiat in, stablecoin settlement on Polygon, fiat out.

<Note>
  **Before you start:** the OMS API is in early access. Every endpoint, including the ones in this guide, requires an early-access API key. [Request access](https://info.polygon.technology/get-early-access?utm_source=docs\&utm_medium=card\&utm_campaign=oms_access) before you begin.
</Note>

## How it works

A sender deposits fiat in their local currency via card, ACH, or cash. OMS converts to USDC on Polygon, settles in under two seconds, then converts back to fiat and delivers to the recipient's bank account, mobile wallet, or cash pickup location.

In OMS terms this is a chain of transactions across two parties. The sender funds USDC into an OMS wallet (a `cashToCrypto` cash-in, a `fiatAccountToCrypto` bank deposit, or pull-from-card). You then pay out from that wallet to the recipient: `cryptoToFiatAccount` for a bank account or `cryptoToCash` for a cash pickup. The recipient is registered once as a counterparty (`POST /counterparties`) that owns a bank [external account](/api-reference/overview#external-accounts) (`POST /external-accounts` with owner kind `counterparty`); the payout quote references that account by its `ext_` ID, and OMS records each side's identity on the transaction's `party` object.

<div style={{border:"1px solid #C8CFE1",borderRadius:"12px",overflow:"hidden",marginBottom:"24px"}}>
  <div style={{background:"linear-gradient(180deg,#EAE4F5 0%,#F6F3FB 100%)",borderBottom:"1px solid #D5C4F2",padding:"10px 16px",fontSize:"11px",fontWeight:"700",color:"#670DE5",letterSpacing:"0.06em",textTransform:"uppercase"}}>Remittance flow</div>

  <div style={{borderBottom:"1px solid #EEF0F9",padding:"9px 16px",display:"flex",alignItems:"center",gap:"10px"}}>
    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>1</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>Sender</span>
    <span style={{color:"#670DE5",fontWeight:"700"}}>→</span>
    <span style={{background:"#EAE4F5",color:"#670DE5",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"700",whiteSpace:"nowrap"}}>OMS</span>
    <span style={{fontFamily:"'Geist Mono',ui-monospace,monospace",fontSize:"12px",color:"#141635"}}>Deposit fiat via card, ACH, or cash</span>
  </div>

  <div style={{borderBottom:"1px solid #EEF0F9",padding:"9px 16px",display:"flex",alignItems:"center",gap:"10px"}}>
    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>2</span>
    <span style={{background:"#EAE4F5",color:"#670DE5",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"700",whiteSpace:"nowrap"}}>OMS</span>
    <span style={{fontSize:"13px",color:"#141635",marginLeft:"4px"}}>Converts fiat to USDC (cashToCrypto / fiatAccountToCrypto)</span>
  </div>

  <div style={{borderBottom:"1px solid #EEF0F9",padding:"9px 16px",display:"flex",alignItems:"center",gap:"10px"}}>
    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>3</span>
    <span style={{background:"#EAE4F5",color:"#670DE5",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"700",whiteSpace:"nowrap"}}>Polygon</span>
    <span style={{fontSize:"13px",color:"#141635",marginLeft:"4px"}}>Settles USDC onchain (\~2s finality)</span>
  </div>

  <div style={{borderBottom:"1px solid #EEF0F9",padding:"9px 16px",display:"flex",alignItems:"center",gap:"10px"}}>
    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>4</span>
    <span style={{background:"#EAE4F5",color:"#670DE5",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"700",whiteSpace:"nowrap"}}>OMS</span>
    <span style={{fontSize:"13px",color:"#141635",marginLeft:"4px"}}>Converts USDC to recipient currency (cryptoToFiatAccount / cryptoToCash)</span>
  </div>

  <div style={{padding:"9px 16px",display:"flex",alignItems:"center",gap:"10px"}}>
    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>5</span>
    <span style={{background:"#EAE4F5",color:"#670DE5",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"700",whiteSpace:"nowrap"}}>OMS</span>
    <span style={{color:"#670DE5",fontWeight:"700"}}>→</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>Recipient</span>
    <span style={{fontSize:"13px",color:"#141635"}}>Delivers local fiat via bank, mobile wallet, or cash pickup</span>
  </div>
</div>

Fiat-to-fiat settlement that takes 2-5 days through correspondent banking completes in under two minutes using Polygon as the settlement layer.

## What is available today

The building blocks are part of the canonical API. The sender side uses the [cash-in](/api-reference/guide-cash-in) flow or a virtual-account bank deposit; the recipient side uses a `POST /quotes` and `POST /transactions` payout (`cryptoToFiatAccount` to a bank, `cryptoToCash` to a cash pickup), executed by referencing the quote with `quoteId`. Corridor rates are locked at quote time in the quote's `pricing` (`exchangeRate` and `effectiveRate`), and compliance and KYC are handled by OMS at every step. Recipient counterparties and their bank accounts are registered with `POST /counterparties` and `POST /external-accounts`; cash pickup is enabled per project through early access.

Global remittance is enabled per project through early access; contact us before you build against it.

## Planned capabilities

* Card on the sender side
* Additional multi-currency corridors

***

<Note>
  Global remittance is under active development and available through early access. Contact us to enable it for your project.

  <Card title="Register interest" icon="envelope" href="https://info.polygon.technology/get-early-access?utm_source=docs&utm_medium=card&utm_campaign=oms_access">
    Share your use case and we'll reach out when global remittance is available.
  </Card>
</Note>