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Most financial institutions building stablecoin payment products today take the same path: pick a compliance vendor, a wallet provider, a bridge, an off-ramp, and a chain. Each integration requires independent maintenance. Each seam adds latency, cost, and operational risk. The Open Money Stack is built differently. Every layer (fiat access, wallets, stablecoin settlement, compliance, and blockchain rails) is designed to hand off cleanly to the next. Institutions integrate once and get a complete payment infrastructure that works end to end.

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The problem with fragmented stacks

Fragmentation is the default state of payments infrastructure today:
  • Fiat access from one vendor, wallets from another, compliance from a third
  • Settlement delays tied to banking hours and correspondent rails
  • KYC and AML bolted on after the fact, creating friction at every step
  • Cross-border payments that require per-corridor integrations
When volume grows or something goes wrong, teams debug outages that live somewhere between three vendors and a dozen systems.

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What the OMS does differently

Always-on settlement

Polygon Chain settles transactions in under 2 seconds, 24/7. No banking hours, no settlement windows, no queued batches.

Compliance built in

KYC, KYB, AML screening, and transaction monitoring are part of the infrastructure. Institutions inherit regulatory coverage across 38 US states and international corridors.

Fiat in, fiat out

Licensed on- and off-ramps convert between fiat and stablecoins through bank transfer, debit card, and cash. No need to build bank relationships from scratch.

Global reach

Move money to 130+ countries via card, bank, mobile money, and cash pickup rails, with local currency conversion at the destination.

Stablecoin-native settlement

Native USDC on Polygon. No wrapping, no bridging, no surprise deductions. Sub-cent transaction costs with $54B+ in stablecoin volume processed.

Composable by design

Use the full stack or only the components you need. Institutions that already have wallets, compliance, or ramps can plug in the missing pieces.

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Why Polygon for payments

The OMS is built on a settlement layer that has been running at scale in production:
  • Sub-2-second finality with 99.9%+ network uptime
  • $0.002 average transaction cost, tracked live on Polygonscan
  • $54B+ in stablecoin transfer volume processed onchain
  • 159M+ unique wallet addresses and 6.4B+ total transactions
  • Live integrations with Revolut, Stripe, Flutterwave, and more

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Who it’s for

The payments infrastructure is used by institutions that need to move money at scale without building foundational plumbing themselves:
  • Fintechs and neobanks adding stablecoin payment rails with embedded wallets and compliant onramps
  • PSPs and payment platforms settling merchant balances and funding accounts outside banking hours
  • Remittance platforms replacing correspondent banking with sub-second, near-zero-fee settlement
  • Enterprises and marketplaces automating global payouts to contractors, sellers, and employees
  • Banks and financial institutions layering stablecoin settlement onto existing treasury operations

See the use cases

How card issuers, payment networks, remittance platforms, banks, and enterprises use Polygon for payments.

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Get started

Get early access

The Payments API and integration documentation are available to early access organizations.