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The Open Money Stack provides regulated, enterprise-grade on-ramp and off-ramp infrastructure with KYC, AML, and compliance built in. Third-party providers are also available for teams not using OMS directly.

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OMS on-ramps and off-ramps

OMS handles both directions. The quote-and-execute pattern applies to crypto sends and payouts; cash-in and virtual accounts auto-create their transactions when funds arrive.

Fiat to crypto

Fund a wallet from a bank account or cash at a retail location and deliver USDC to a wallet on Polygon.

Crypto to fiat

Pay out USDC from a custodial wallet to a bank account, card, or cash pickup, or to any wallet or address.

Cash-in

Let a customer deposit physical cash at a retail location and receive USDC in their wallet.

Virtual accounts

Give a customer a dedicated bank account number that auto-converts incoming fiat to USDC.
Supported bank rails include ACH, same-day ACH, wire, and RTP, plus IBAN for international and Canadian bank accounts. Card funding and payouts are available, as is cash: deposits at 50,000+ retail locations across 48 US states, and cash pickup for payouts (capped at $400 per transaction).

Request OMS access

Request access to the OMS on-ramp and off-ramp API.

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Third-party providers

For teams building directly on Polygon without OMS, the following providers support Polygon on-ramps and off-ramps.
Polygon does not endorse or provide support for third-party providers. Do your own due diligence before integrating any service.

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On-ramp providers

Convert fiat to crypto on Polygon via card, bank transfer, or local payment methods: See the Stripe on-ramp tutorial for a step-by-step integration with Stripe’s Crypto On-ramp API.

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Off-ramp providers

Convert crypto on Polygon to fiat via bank transfer, card payout, or cash: