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The Open Money Stack is built for fintechs, payment platforms, and financial institutions that need to move money globally at scale. These are the most common scenarios, each enabled by OMS components that can be adopted independently or together.

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Always-On Account Funding

Traditional payment rails run on limited global banking hours. Your users don’t. PSPs and neobanks use Polygon’s settlement layer to credit accounts and settle merchant balances at any hour, 24/7 globally: evenings, weekends, holidays. Finality in under two seconds. No more queued ACH batches, no settlement lag on Sunday afternoons. Stablecoin rails run continuously, so funding does too. Who this is for: PSPs, payment platforms, neobanks, brokerages, and merchant acquirers that need settlement outside banking hours. OMS components: Stablecoin Orchestration · Blockchain Rails · Wallet Infrastructure

Stablecoins

Polygon Chain

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Cross-Border Business Payments

Correspondent banking corridors are slow, opaque, and expensive. Building alternatives from scratch requires bank relationships, licensing, and compliance infrastructure that takes years to assemble. The OMS provides the full stack for cross-border B2B payments: licensed fiat access in sender and receiver currencies, stablecoin settlement on Polygon, and cross-chain routing for corridors that span multiple networks. Platforms can launch global payment products on regulated infrastructure, without starting from zero. Who this is for: PSPs, paytechs, payout networks, and fintechs building cross-border B2B payment products, whether serving businesses directly or as a platform layer. OMS components: On-/Off-Ramps · Stablecoin Orchestration · Cross-Chain Interop · Blockchain Rails

On-/Off-Ramps

Cross-Chain Interop

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Dollar Banking for Emerging Markets

Consumers and businesses in Latin America, Africa, and Southeast Asia increasingly want USD-denominated accounts: a stable store of value, a better way to send and receive internationally, and protection against local currency volatility. The OMS gives neobanks the building blocks to offer that experience: embedded wallets that look like bank accounts, USDC-backed balances, compliant on- and off-ramp infrastructure, and coverage across 38 countries. Users hold and move dollars without a US bank account; the platform doesn’t need one either. Who this is for: Stablecoin-first neobanks and consumer fintechs targeting non-US markets. OMS components: Wallet Infrastructure · On-/Off-Ramps · Stablecoin Orchestration

Embedded Wallets

Stablecoins

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Global Payouts at Scale

Marketplace platforms, payroll providers, and gig economy companies face the same problem: paying large numbers of workers or sellers in different countries, in different currencies, through different local payment systems. The OMS handles the routing, compliance, and last-mile delivery. Platforms initiate payouts in USDC; the OMS converts and delivers in local fiat across dozens of countries, with KYC, AML, and reporting built into the infrastructure. No per-corridor integrations, no separate compliance stack. Who this is for: Marketplaces, payroll platforms, gig economy companies, and PSPs running global payout programs. OMS components: On-/Off-Ramps · Stablecoin Orchestration · Blockchain Rails

Off-ramps

Compliance

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Stablecoin Payment Acceptance

Merchants want the benefits of stablecoin settlement (instant finality, near-zero fees, global reach) without asking customers to manage crypto wallets. Platforms serving merchants want to offer stablecoin acceptance alongside existing payment methods without rebuilding their compliance stack. The OMS provides wallet infrastructure to receive stablecoin payments, automatic conversion to fiat, and compliant offramp delivery to the merchant’s bank account. Customers pay in stablecoins; merchants settle in the currency they already use. Who this is for: Merchants, merchant payment platforms, and PSPs adding stablecoin acceptance. OMS components: Wallet Infrastructure · Stablecoin Orchestration · On-/Off-Ramps

Payment Providers

Stablecoins

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Consumer Remittance

Remittance platforms face a structural tension: US regulatory coverage is fragmented by state, last-mile delivery in destination countries requires local banking relationships, and customers expect near-instant transfers at competitive rates. The OMS provides licensed corridor infrastructure with 38-state MTL coverage, stablecoin settlement on Polygon, and offramp delivery in local fiat across international corridors. Platforms can offer debit card, ACH, and cash onramp options without assembling the licensing and bank relationships from scratch. Who this is for: Remittance platforms, consumer fintechs serving immigrant populations, and apps with cross-border transfer products. OMS components: On/Off Ramps · Stablecoin Orchestration · Blockchain Rails

On-ramps

Off-ramps

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Embedded Fiat Ramps

Crypto wallets, exchanges, and fintech apps need to let users move between fiat and digital assets, but building licensed ramp infrastructure across US states is a multi-year compliance project. The OMS provides white-label and API-based ramp infrastructure with 48-state MTL coverage, support for debit card, ACH, and cash, and both widget and native API integration paths. Platforms embed it; the OMS handles the licensing, KYC, and compliance. Who this is for: Crypto wallets, exchanges, and fintech apps embedding USD on/off-ramp experiences for end users. OMS components: On-/Off-Ramps · Wallet Infrastructure

On-ramps

Off-ramps