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A platform wants to reward users with something they can actually spend. Instead of points that expire or card-network cashback that takes a billing cycle to post, OMS drops USDC straight into each user’s wallet. Recipients hold a real balance they can spend, hold, or withdraw. No breakage, no float, no expiry. A reward drop is a cryptoToCrypto transfer: USDC moves from your treasury wallet to each recipient’s wallet on Polygon, settling in seconds. Because the asset matches on both sides, there is no exchange-rate spread, and the quote returns the exact fees before you commit. Who this is for:
  • Consumer apps and loyalty programs issuing rewards as spendable balances
  • Fintech card issuers and debit programs paying stablecoin cashback
  • Gaming and promotion platforms running incentive drops
  • Creator platforms distributing bonuses or tips to many recipients at once

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How it works

Reward drop flow
1App→OMSPOST /quotes (treasury wallet → recipient wallet, USDC → USDC)
2OMS→AppRate locked, full fee breakdown returned
3App→OMSPOST /transactions (execute the drop)
4OMSPulls USDC from treasury, settles to recipient wallet on Polygon
5OMS→AppWebhook: transaction.cryptoToCrypto.completed
Each drop is a single quote-and-execute pair. For a campaign, create the quotes in parallel and execute each as it confirms. Idempotency keys on every transaction make a reward run safe to retry without paying anyone twice. The destination can be a recipient’s OMS wallet or any external on-chain address.

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OMS resources

ResourceRole
Treasury walletCentral USDC wallet the rewards are funded from
Customer (per recipient)Identity record that owns each recipient wallet
Recipient walletDestination USDC wallet, or an external on-chain address
QuoteLocked fee breakdown for one drop
cryptoToCrypto transactionExecutes one reward drop

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Beyond reward drops

Cashback is a reward drop on a trigger. Fire a drop for each qualifying purchase or event, and the recipient’s balance updates as they spend. The flow is identical: quote, then execute a cryptoToCrypto transfer. Streaming pay and tokenized loyalty points go beyond the Payments API. Per-second streaming uses onchain payment channels, and programmable points are token contracts you deploy and redeem across merchants. Both run on Polygon Chain rather than through OMS quotes and transactions.
Reward drops run on the same quote-and-execute flow available today. Bulk drop tooling for large campaigns is on the roadmap alongside bulk payouts.

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Build it

Send from a wallet

Quote and execute a USDC transfer between wallets.

Customer onboarding

Create the customer and wallet each recipient needs.

Transactions

The quote-then-execute reference for cryptoToCrypto.

Wallets

Provision and fund the treasury and recipient wallets.