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Every component of the Open Money Stack depends on reliable settlement. The OMS offers two options depending on your requirements.

Polygon Chain

Public, permissionless settlement. Polygon Chain is the public Layer 2 network that serves as the default settlement layer for the OMS. It is open, permissionless, and production-proven at scale.
  • Sub-2-second finality
  • Average transaction cost of $0.002
  • $54B in stablecoin transfer volume
  • 6.4B total transactions
  • 159M unique wallet addresses
  • Major integrations by Revolut, Stripe, Flutterwave, and more
Polygon Chain is the right choice for applications that benefit from public auditability, open access, and the broadest possible ecosystem of tooling, liquidity, and users.

Polygon Chain overview

Architecture, network stats, and how to start building on Polygon Chain.

Polygon CDK

Dedicated, compliance-grade blockchain infrastructure. For institutions that need their own rails, Polygon CDK lets you launch a production-ready rollup with custom throughput, fee structures, and compliance requirements.

Why Polygon CDK

  • 20,000+ TPS when optimized for payment workloads
  • Rollup mode with pessimistic proof security via Agglayer, validium, or full zkRollup
  • Granular network control: deploy as fully private or with gated access, API keys, and ACLs for read/write permissions
  • EVM-equivalent: deploy existing smart contracts without modification; standard Ethereum tooling works without reconfiguration
  • Execution clients: supports both op-geth and op-reth, giving operators flexibility in resource usage and performance tuning
  • Implementation providers: Conduit and Gateway are building open source tooling and support both execution clients for production deployments
  • Migration paths: zero-downtime migration for chains running Hyperledger Besu, preserving full data history

Agglayer connectivity

Cross-chain interoperability and unified liquidity are native features of every Polygon CDK chain. Agglayer provides shared state, cross-chain messaging, and trustless bridging across connected networks, without additional infrastructure. This means enterprise chains are not isolated: they can interoperate with Polygon Chain and other connected L2s from day one.

Operating modes

ModeDescription
SovereignAgglayer connectivity secured by pessimistic proofs. No prover required. Default configuration.
ValidiumZK-secured execution with offchain data availability via a DAC.
zkRollupFully onchain zero-knowledge rollup for maximum security and Ethereum-aligned trust.

Who Polygon CDK is for

  • Banks and financial institutions needing dedicated settlement infrastructure with compliance controls and public auditability
  • Asset issuers that need custom compliance rules, token economics, or throughput requirements on dedicated chain infrastructure
  • Enterprises and governments building payment infrastructure that requires a sovereign rollup with full control over sequencing, fee policy, and data availability

Polygon CDK docs

Explore Polygon CDK capabilities, operating modes, and how to get started.

Choosing between them

Polygon ChainPolygon CDK
AccessPublic, permissionlessPrivate or gated
Throughput110 TPS20,000+ TPS (payment-optimized)
Fee controlNetwork-determinedOperator-defined
ComplianceApplication-levelChain-level controls, ACLs, API keys
InfrastructureShared public networkDedicated rollup
InteroperabilityNative ecosystem accessVia Agglayer
Best forOpen apps, broad reach, ecosystem liquidityRegulated institutions, high-volume payment rails, sovereign infrastructure
Most applications start on Polygon Chain. Institutions with regulatory requirements, dedicated throughput needs, or custom fee structures deploy Polygon CDK chains that remain connected to the broader ecosystem via Agglayer.