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
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.
Stablecoin Sandwich
Settlement
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
Better economics
Network uptime
Network uptime
Compliance by design
Compliance by design
Global reach
Global reach
3.6 Billion
150+
Countries
~Seconds
$0.002
~48 States Operations
Resources
Developer Tools
Developer Tools
Frequently
asked questions
What is Polygon’s Open Money Stack?
Polygon’s OMS is infrastructure for enabling real-time, low-cost onchain payments using stablecoins and smart contracts. It's built for businesses that want to optimize global money transfers.
Who is it for?
Banks, fintechs, neobanks, payment service providers, ecommerce platforms, and marketplaces that want programmable, efficient global payment flows.
Why Polygon?
Battle-tested, low-cost, widely adopted, and globally integrated across financial tooling. New blockchains promise performance; Polygon has delivered it at scale for years.
What are the best use cases for blockchain payments?
24/7 money movement (no banking hours), cross-border B2B payments, global payouts to contractors and sellers, stablecoin acceptance at checkout, and consumer remittance.
