> ## Documentation Index
> Fetch the complete documentation index at: https://docs.polygon.technology/llms.txt
> Use this file to discover all available pages before exploring further.

# Stablecoin cross-border remittance

> Build cross-border remittance products on stablecoin rails: fiat in, fiat out, settled on Polygon in minutes instead of days. Skip the correspondent banking chain and the 5-7% fee.

A sender deposits cash or pays by card in their home country. The recipient receives local currency in their bank account, mobile wallet, or cash pickup location in another country. Polygon handles settlement in the middle. Total time from send to delivery: under two minutes.

Traditional correspondent banking takes 2-5 days and charges 5-7% in fees. Using Polygon as the settlement layer eliminates the correspondent chain entirely.

**Who this is for:**

* Remittance services targeting high-volume corridors (US-MX, US-PH, EU-NG)
* Neobanks serving diaspora communities who send money home regularly
* Mobile money operators looking to add international send capability

***

## How it works

<div style={{border:"1px solid #C8CFE1",borderRadius:"12px",overflow:"hidden",marginBottom:"24px",padding:"20px"}}>
  <div style={{display:"flex",alignItems:"center",gap:"0",overflowX:"auto"}}>
    <div style={{background:"#EEF0F9",border:"1px solid #C8CFE1",borderRadius:"8px",padding:"12px 16px",textAlign:"center",minWidth:"110px"}}>
      <div style={{fontSize:"12px",fontWeight:"600",color:"#48526F"}}>Sender</div>
      <div style={{fontSize:"11px",color:"#929EBA",marginTop:"2px"}}>fiat deposit</div>
    </div>

    <div style={{display:"flex",flexDirection:"column",alignItems:"center",padding:"0 8px",gap:"2px"}}>
      <span style={{color:"#670DE5",fontWeight:"700",fontSize:"16px"}}>→</span>
      <span style={{fontSize:"10px",color:"#929EBA",whiteSpace:"nowrap"}}>card/ACH/cash</span>
    </div>

    <div style={{background:"#EAE4F5",border:"1px solid #D5C4F2",borderRadius:"8px",padding:"12px 16px",textAlign:"center",minWidth:"110px"}}>
      <div style={{fontSize:"12px",fontWeight:"700",color:"#670DE5"}}>OMS</div>
      <div style={{fontSize:"11px",color:"#670DE5",opacity:0.7,marginTop:"2px"}}>fiatToCrypto</div>
    </div>

    <div style={{display:"flex",flexDirection:"column",alignItems:"center",padding:"0 8px",gap:"2px"}}>
      <span style={{color:"#670DE5",fontWeight:"700",fontSize:"16px"}}>→</span>
      <span style={{fontSize:"10px",color:"#929EBA",whiteSpace:"nowrap"}}>USDC</span>
    </div>

    <div style={{background:"#EEF0F9",border:"1px solid #C8CFE1",borderRadius:"8px",padding:"12px 16px",textAlign:"center",minWidth:"110px"}}>
      <div style={{fontSize:"12px",fontWeight:"600",color:"#48526F"}}>Polygon</div>
      <div style={{fontSize:"11px",color:"#929EBA",marginTop:"2px"}}>\~2s finality</div>
    </div>

    <div style={{display:"flex",flexDirection:"column",alignItems:"center",padding:"0 8px",gap:"2px"}}>
      <span style={{color:"#670DE5",fontWeight:"700",fontSize:"16px"}}>→</span>
      <span style={{fontSize:"10px",color:"#929EBA",whiteSpace:"nowrap"}}>USDC</span>
    </div>

    <div style={{background:"#EAE4F5",border:"1px solid #D5C4F2",borderRadius:"8px",padding:"12px 16px",textAlign:"center",minWidth:"110px"}}>
      <div style={{fontSize:"12px",fontWeight:"700",color:"#670DE5"}}>OMS</div>
      <div style={{fontSize:"11px",color:"#670DE5",opacity:0.7,marginTop:"2px"}}>cryptoToFiat</div>
    </div>

    <div style={{display:"flex",flexDirection:"column",alignItems:"center",padding:"0 8px",gap:"2px"}}>
      <span style={{color:"#670DE5",fontWeight:"700",fontSize:"16px"}}>→</span>
      <span style={{fontSize:"10px",color:"#929EBA",whiteSpace:"nowrap"}}>local fiat</span>
    </div>

    <div style={{background:"#EEF0F9",border:"1px solid #C8CFE1",borderRadius:"8px",padding:"12px 16px",textAlign:"center",minWidth:"110px"}}>
      <div style={{fontSize:"12px",fontWeight:"600",color:"#48526F"}}>Recipient</div>
      <div style={{fontSize:"11px",color:"#929EBA",marginTop:"2px"}}>bank/cash</div>
    </div>
  </div>
</div>

The rate is locked at quote time, so both sender and recipient know exactly what will be delivered before any money moves. OMS handles KYC for both parties and compliance checks for the corridor.

***

## Planned capabilities

* Card, ACH, and cash-in on the sender side
* ACH, SWIFT, wire, and cash pickup on the recipient side
* Multi-currency corridors with locked rates at quote time
* Developer fee configuration per corridor
* Compliance and KYC handled by OMS at every step

***

<Note>
  Global remittance is under active development and not yet available in the OMS API. To be notified when it launches, register your interest.

  <Card title="Register interest" icon="envelope" href="https://info.polygon.technology/get-early-access?utm_source=docs&utm_medium=card&utm_campaign=oms_access">
    Share your use case and we'll reach out when global remittance is available.
  </Card>
</Note>