Get Unlimited Embedded Wallets Free, With Crosschain Routing Included

tl;dr

• Eligible businesses can create unlimited embedded wallets free for users
• Wallets can be used to set approval limits, place and settle card-like holds, remove gas-token prompts, enforce transfer rules, split key control across independent parties, and ship through web and mobile SDKs
• Polygon Trails enable users to move assets in wallets across all major chains

A wallet should help you move money, not become another line item that gets more expensive every time you add a customer.

With Polygon Open Money Stack (OMS), the wallet sits inside the payment flow. You can fund a balance, hold it, route it across chains, and settle a payout through one coordinated stack instead of stitching together separate wallet, ramp, and routing providers.

Now eligible businesses can create unlimited embedded wallets at no cost. The goal is simple: make it easier to put a real wallet product in front of your customers and start moving money.

Put a complete wallet experience inside your product

The offer covers embedded wallets built into your own app. Customers can sign in with familiar methods, hold their own balance, and use the wallet without managing a seed phrase.

If your product also needs cash-in, conversion, crosschain routing, or payouts, the same wallet can connect to those parts of Polygon OMS as your payment flow grows.

What this unlocks

Reach corridors that bank rails make painful

Paying someone in another country often runs into correspondent banking restrictions or a local bank that has no relationship with your payment processor.

Sometimes there is no good local bank endpoint. An embedded wallet gives customers a place to receive and hold stablecoins directly inside your product, so you can reach users even when a local bank account is not the best endpoint.

Move money across 20+ blockchains

Money does not always arrive on the chain where you need it. OMS supports 20+ blockchains, and Polygon Trails can enable users to move the balance between them without making your customer open another wallet.

Keep the wallet inside your product

Customers sign into your product the same way they already do. There is no separate wallet app, seed phrase, or crypto lesson standing between them and their money.

Let customers hold their money while you set the rules

Your customers can control their balances while you set spending limits, approvals, and allowed actions. You can also place a card-like hold, settle a different amount, or let the hold expire. Hold $200, settle $187.

Go from cash to payout in one flow

A remittance customer can deposit $500 in cash, have it converted to USDC, and receive it in their wallet. From there, the money can stay put, move to another chain, or settle as a payout. On Polygon Chain, settlement takes about two seconds and costs roughly $0.002.

Try the wallet for yourself

The easiest way to understand the wallet is to use it. Open the Wallet Playground and explore how the experience works from the customer’s side.

Open the Wallet Playground →

Polygon Trails keeps the balance moving

A wallet is only useful if the money inside it can get where it needs to go. Polygon Trails lets a product route a balance across chains without sending the customer through a separate bridge flow.

Try the demo →

Both custody models. One integration.

We offer both ways to hold money:

• Custodial. A licensed Polygon partner holds the keys. Good for treasury teams and payment platforms moving money on behalf of customers.
• Embedded (Non-custodial). Your customer holds the funds, through a wallet built into your own app, with social login and no seed phrase to lose. Good for fintechs, remittance platforms, and marketplaces where customers expect to own their balance the way they’d own money in a bank account.

You don’t have to pick one for your whole product. Issue embedded wallets to end users while holding your own operational float in a custodial wallet. Default marketplace sellers to custodial, then offer embedded wallets to the ones who want more control. Both run through the same OMS integration.

Custody model is a real decision with licensing and UX tradeoffs on both sides. We wrote a short guide on how to think about it: Custodial vs. non-custodial wallets →

Our best-kept secret

Ramps solve the hardest problem in stablecoin payments: getting fiat and stablecoins to actually talk to each other. But a ramp only gets money to the door. What a customer can do with it once it’s inside your product, whether it’s usable, whether it settles the way they expect, whether it feels safe, comes down to the wallet.

A few of the features worth knowing about:

• Sign once, not every time. One approval sets a spend cap, a time window, and a list of allowed actions, no repeat prompts after that. Around 8,000 wallets ran this exact flow in the first half of the year across yield, subscriptions, batch payouts, and scoped AI agent spend. Read more
• Hold now, settle later, without giving up custody. We’ve built auth/capture, the two-step hold-then-settle flow every card network already runs, at the wallet layer. Settle the full amount, a partial amount, or let the hold expire back to the user automatically. Read about auth/capture
• Skip the gas tokens. Users pay in the stablecoin they already hold, or you cover the fee yourself, invisibly. Nobody buys a separate token just to send money.
• Choose the chain and custody model that fit. Custodial, embedded, or agent-scoped, all through one integration, connected directly to crosschain routing through Trails so a balance isn’t stuck waiting on a bridge.
• Compliance rules your team sets. “Block any transfer over $10,000” doesn’t need an engineer. Finance and compliance write the rule, and every wallet enforces it before the money moves.
• Avoid a single point of failure. No one party holds the whole key. Access is split across independent parties, so one vendor or security system cannot unlock a wallet alone.
• Ship on web and mobile without building key management from scratch. SDKs in TypeScript, React Native, Swift, and Kotlin. Read the docs

The wallet technology behind Polygon OMS has been in production since 2021 and came to Polygon through the acquisition of Sequence. It already powers hundreds of apps used by millions of people and has processed millions of onchain transactions representing billions of dollars in volume.

Start with free wallets. Build the full money flow.

Stablecoins let you move money 24/7 and reach markets where bank rails fall short. Wallets give customers a place to hold and use that money. Polygon OMS connects the full flow around them, from cash-in and conversion to crosschain movement and payouts.

For your business, that means reaching more customers, moving money faster, working with fewer vendors, and keeping more of each payment.

Approved businesses can get unlimited embedded wallets at no cost, with crosschain routing included. Start with the wallet, prove the first payment flow, and add the rest as your product grows.

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Disclaimer

This post is for general informational purposes only and does not constitute legal, financial, tax, regulatory, or investment advice. Nothing contained herein should be construed as a solicitation, offer, or recommendation to buy, sell, or engage with any product or service, nor should it be relied upon as the basis for any decision.

Users and institutions are solely responsible for ensuring that their access to and use of any Polygon product or service complies with all applicable laws, rules, and regulations in their respective jurisdictions. Polygon Labs makes no representation or warranty that any particular program configuration, feature, or use case will satisfy the legal or regulatory requirements of any specific jurisdiction. Users and institutions are strongly encouraged to seek independent legal counsel regarding their specific compliance obligations before engaging with any Polygon product or service.

The features, use cases, and illustrative examples described in this post are subject to applicable law and may not be available in all jurisdictions. All statements regarding future products, features, functionalities, or capabilities are forward-looking in nature and subject to change without notice. Such statements should not be relied upon as representations of future performance or availability.

Polygon Labs reserves the right, in its sole discretion and without prior notice, to modify, suspend, limit, restrict, or discontinue the program or any component of the Open Money Stack (“OMS”), in whole or in part, at any time. Use of OMS is subject to OMS terms and conditions. Polygon Labs further reserves the right to restrict or terminate access to any code, feature, or support for any user or in any jurisdiction where required by applicable legal or regulatory obligations.

Blockchain technology, smart contracts, and decentralized protocols involve inherent and significant risks, including but not limited to technical vulnerabilities, regulatory uncertainty, and potential loss of funds. To the fullest extent permitted by applicable law, Polygon Labs shall not be liable for any damage of any kind arising from or in connection with the use of, or reliance upon, the program, the Open Money Stack, or any information contained in this post.