> ## 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. # Use Cases > How payment networks, card issuers, remittance platforms, and financial institutions use Polygon for payments. ## 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 *** ## 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 *** ## 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 *** ## 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 *** ## 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 *** ## Get started Request access to OMS payment infrastructure and the related private integration documentation.