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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.

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

Accept cash at a retail location and deliver USDC to a wallet on Polygon. Bank funding is in early access.

Crypto to fiat

Move USDC from a custodial wallet to any wallet or address today, with bank disbursement (ACH, wire) in early access.

Cash-in

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

Virtual accounts (early access)

Give a customer a dedicated bank account number that auto-converts incoming ACH deposits to USDC. Virtual-account provisioning is not yet available in the OMS API.
Supported today: cash at 50,000+ retail locations across 48 US states. Bank rails (ACH, wire, RTP) and cards are coming soon.

Request OMS access

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

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.

On-ramp providers

Convert fiat to crypto on Polygon via card, bank transfer, or local payment methods:
ProviderCoveragePayment methods
MoonPayGlobalCard, bank transfer
Transak160+ countriesCard, bank, local methods
RampGlobalCard, bank, Apple/Google Pay
BridgeUS + globalStablecoin-focused, programmable
RevolutRevolut usersRevolut account
CrossmintGlobalCredit card, NFT/token checkout
BlindPayGlobalPrivacy-focused
PayyGlobalPayment link, checkout
AveniaLatin AmericaLocal payment methods
MercuryoGlobalCard, bank transfer
ElectrocoinEuropeLocal methods
See the Stripe on-ramp tutorial for a step-by-step integration with Stripe’s Crypto On-ramp API.

Off-ramp providers

Convert crypto on Polygon to fiat via bank transfer, card payout, or cash:
ProviderCoveragePayout methods
MoonPayGlobalBank transfer, card payout
Transak60+ countriesBank transfer
RampGlobalBank transfer
BridgeUS + globalStablecoin-to-fiat
MercuryoGlobalCard, bank
RevolutRevolut usersRevolut account