The payments solution for payments solutions
One integration for global payouts, with fiat on-/off-ramps, stablecoin settlement, and built-in compliance. Wallets, fiat rails, compliance, and cross-chain routing via one integration.
Build with leading enterprises
One integration. End to end fiat and stablecoin payment flows
The Polygon Open Money Stack is payments infrastructure for financial institutions, enabling reliable money movement through a single, easy-to-use API.
Always-on settlement
Traditional rails run on banking hours. Users don't. PSPs and neobanks use OMS to credit accounts and settle merchants 24/7: evenings, weekends, holidays. Finality in seconds, no queued ACH batches.
Who it's for: PSPs, payment platforms, neobanks, brokerages, merchant acquirers.
Cross-border business payments
Correspondent banking corridors are slow, opaque, and expensive. The OMS provides a full stack:
- Licensed fiat access in sender and receiver currencies
- Stablecoin settlement on Polygon, and
- Cross-chain routing for corridors that span multiple networks
Launch global payment products without assembling bank relationships from scratch.
Who it's for: PSPs, paytechs, payout networks, fintechs building cross-border B2B products.
Global payouts at scale
Now it’s easy to pay large numbers of workers or sellers in different countries, different currencies, through different local payment systems. Initiate a payment in USDC, but have it converted and delivered in local fiat across dozens of countries.
Who it's for: Marketplaces, payroll platforms, gig economy companies, PSPs running global payout programs.
Stablecoin payment acceptance
Merchants want the benefits of stablecoin settlement without asking customers to manage wallets . The OMS receives stablecoin payments, auto-converts to fiat, and delivers to the merchant's bank account. Customers pay in stablecoins; merchants settle in the currency they already use.
Who it's for: Merchants, merchant payment platforms, PSPs adding stablecoin acceptance.
Consumer remittance
The Open Money Stack provides licensed corridor infrastructure with ~48-state coverage, MTL, stablecoin settlement on Polygon, and off-ramp delivery in local fiat across international corridors. Debit card, ACH, and cash on-ramp options without assembling licensing and bank relationships from scratch.
Who it's for: Remittance platforms, consumer fintechs serving immigrant populations, apps with cross-border transfer products.
One integration Any pay-in, any payout
One integration Any pay-in, any payout
The Open Money Stack replaces multiple vendors with one integration. Users operate in fiat. Our solution handles stablecoin routing underneath: on-ramp, settle, off-ramp.
- 01 01
Stablecoins & Payments
On-ramps, off-ramps, and compliance infrastructure for moving between fiat and stablecoin. Bank transfers, cards, and cash access with one integration.
- 02 02
Wallet Infrastructure
Onboard users in seconds with wallets that fit your product. Users never see crypto. 90%+ onboarding completion vs. ~30% traditional.
- 03 03
Agentic
Programmable payment flows for AI agents and automated systems. Settlement that runs on logic, not business hours.
- 04 04
Blockchain Rails
Build on Polygon or any chain your use case demands. 2s block times. 99.999% uptime.
- 05 05
Interoperability
Move any asset to any chain in one click. Your users transact on whatever chain they need, with whatever token they hold.
Built closer to the rails
The Open Money Stack replaces multiple vendors with one integration. We handle stablecoin routing underneath: on-ramp, settle, off-ramp.
Better economics
Fewer intermediaries between you and the payment rail means fewer per-transaction fees. Average cost: $0.002.
Network uptime
99.999% network uptime. 2-second block times. Near-instant finality and zero reorgs.
Compliance by design
KYC, KYB, and sanctions screening, backed by regulated partners with the licenses and banking relationships needed for US and international coverage.
Global reach
Integrated with crypto exchanges and on/off-ramps across 150+ countries. Crypto-to-fiat conversions wherever your users are.
Who's already moving money
Who's already moving money
Cross-border payment processing. $687M in monthly volume (Feb 2026). 170+ markets.
Stablecoin payroll. $1B+ annual volume. 100+ countries. Integrates with ADP, Workday, Gusto.
Up to $1.2B routed across Polygon. Europe's largest fintech.
Africa's leading cross-border payments platform. Local currency to stablecoin settlement.
Stablecoin payments on Polygon. Checkout to settlement. Integrated with Polygon rails.
4 Billion
150+
Countries
~Seconds
$0.002
~48 States Operations
Frequently asked questions
If you don't see your question answered here, reach out to our support team, we're always happy to help.
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