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Card issuers and fintechs

Card programs traditionally rely on prefunded accounts at sponsor banks, with settlement windows tied to banking hours. Stablecoin settlement keeps card programs funded around the clock: fintechs fund via USDC or USDT with automatic conversion to fiat at point of settlement.
  • 24/7 settlement funding independent of banking hours
  • Stablecoin-to-fiat auto-conversion on deposit
  • White-label on/off-ramps and embedded wallets under the issuer’s brand
  • Single integration for card issuing, acquiring, and cross-border

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Payment networks and processors

Large payment networks manage settlement across issuers, acquirers, and cardholders through multi-day cycles tied to correspondent banking rails. Stablecoin settlement replaces that model with real-time finality: fiat enters via ACH, Wire, or RTP, and everything downstream (conversion, onchain settlement, confirmation) is handled through a single API.
  • Real-time deposit and conversion replaces prefunded balance requirements
  • Acquirer payouts settle to wallet with ~2 second finality
  • Webhook confirmations with transaction hash and full reconciliation
  • Extensible to cross-border, money movement, and new stablecoin-native products

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Cross-border and remittance

International money transfer through correspondent banking is expensive and slow. Stablecoin rails on Polygon cut cost and time to near zero, reaching 130+ countries via card, bank, mobile money, and cash pickup networks.
  • End-to-end flow: fiat in, stablecoin on Polygon, local currency out
  • Local offramp support including cash disbursement and mobile wallet payout
  • No crypto knowledge required from end users
  • Full BSA/OFAC compliance and KYC/AML coverage at every step

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Banks and financial institutions

Banks entering the stablecoin space face a common constraint: rebuilding core infrastructure is not viable. Polygon’s payment infrastructure layers on top of existing treasury operations without requiring changes to upstream systems.
  • Virtual USD accounts with per-customer ACH and routing numbers at an OCC federally-chartered bank
  • Automatic USD to USDC conversion (and reverse) under 37 US Money Transmitter Licenses
  • Real-time confirmations with transaction hash and full reconciliation
  • Path to intraday settlement, treasury management, and onchain credit

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Enterprises and marketplaces

Enterprises, marketplaces, and developer platforms use the payment infrastructure to automate global payouts, manage onchain treasury positions, and build programmable money flows into products.
  • Programmable, auditable payment flows with full API and webhook coverage
  • Custodial and non-custodial wallet models
  • Stablecoin-native products without requiring end users to hold or manage crypto
  • Embedded compliance: KYC, AML, and transaction monitoring built in

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Get early access

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