sourceToDestination) from the instruments on each side of a transaction.
Get started
Onboard a customer, provision a wallet, and make your first transaction.
API reference
Full endpoint reference: transactions, quotes, wallets, customers, webhooks.
Core concepts
Entities & relationships
The full resource model: customers, wallets, quotes, transactions, cash-ins, virtual accounts, deposit addresses, counterparties, and external accounts, and how they relate.
Quote system
How OMS locks pricing, structures fees, and calculates exchange rates before you commit to a transaction.
Account model
Custodial wallets, virtual bank accounts, deposit addresses, and external accounts.
Transaction lifecycle
Statuses, sub-statuses, webhook events, and auto-created transactions from deposit flows.
Currencies & rails
Supported assets, networks, and fiat rails: ACH, SEPA, PIX, UPI, SPEI, cash networks, and stablecoins.
Use cases
Common products built on the Open Money Stack. Each card links to a step-by-step walkthrough.Dollar accounts
Give users a real USD account number that receives ACH transfers and holds a stablecoin balance.
Payouts & B2B
Pay contractors, suppliers, and recipients from a single treasury wallet, via bank rails or cash pickup.
On- & off-ramps
Fund a wallet with cash or bank rails, hold a USDC balance, and withdraw back to a bank account.
Rewards & loyalty
Drop USDC rewards and cashback straight into user wallets. No card networks, no breakage, no expiry.
Cross-border send
Fiat in one country, fiat delivered in another, settled via Polygon in seconds.
OMS primitives
The OMS API is managed through a core set of resources. Every transaction, deposit, and disbursement is built from these.Customers
An identity record whose
endorsements (basic, cryptoCustody, usd) gate access to financial operations. Every wallet belongs to a customer.Wallets
Custodial or non-custodial stablecoin balances on Polygon. Created under a customer with
POST /customers/{customerId}/wallets. Source or destination for any transaction.Quotes
A rate lock with full fee breakdown. Created before every transaction. Expires if not executed within the validity window.
Transactions
Execute a quoted money movement. OMS infers the direction (
sourceToDestination) from the instruments. Track status via webhooks through processing to completed.Cash-ins
A code-based deposit flow for in-person cash funding at retail locations. Auto-creates a transaction on confirmation.
Webhooks
Subscribe to events as they happen. Full CRUD: create, list, update, and delete subscriptions with
POST/GET/PATCH/DELETE /webhooks, or manage them in the OMS Dashboard.Deposit and payout resources
These resources extend the core model with reusable deposit configurations and off-platform funding and payout references. You create and manage them directly through the API.Transactions reference these resources by ID; when funds arrive at a deposit address or virtual account, OMS auto-creates the transaction. Deposit addresses must be enabled for your project: contact us to enable them.
Virtual accounts
A dedicated bank account number assigned to a customer. Incoming fiat auto-converts to a stablecoin at the configured destination. Create and manage with
POST/GET/PATCH/DELETE /virtual-accounts.Deposit addresses
A reusable onchain address for a customer. Incoming crypto auto-triggers a transaction to a registered bank account. Create and manage with
POST/GET/PATCH /deposit-addresses.External accounts
Off-platform banks, external wallets, and cards. Register them with
POST /external-accounts and reference them by ext_ ID as a quote source or destination.Counterparties
A third party that is not your customer but owns external accounts you pay, for example a vendor. Full CRUD via
/counterparties.Why Polygon for settlement
- Sub-2-second finality with 99.9%+ network uptime
- $0.002 average transaction cost on Polygon Chain
- $54B+ in stablecoin transfer volume processed onchain
- Native USDC: no wrapping, no bridging, no surprise deductions
- Compliance included: KYC, KYB, AML screening, and transaction monitoring across 48 US states and international corridors