Why Polygon is the Premier Infrastructure for Cross-Border Payments
Legacy systems like SWIFT were never designed for an internet-native economy. Polygon provides a unified, scalable network where payments can cross borders instantly, at minimal cost, and with full transparency.
Slash Fees by more than 99%
Banks and remittance providers charge per transfer. On Polygon, average transaction fees are consistently a fraction of a penny, less than $0.001. That capital efficiency unlocks new business models like micropayments, which is impossible with legacy rails.
Instant Settlement, Always On
No more waiting 3–5 business days. On Polygon PoS, transactions finalize in ~5 seconds — even on weekends and holidays. Faster settlement improves liquidity, reduces working capital needs, and gets money where it needs to go, fast.
A Global, Open Financial Network
With Polygon, anyone with a wallet and internet connection can send or receive payments worldwide. No correspondent banks, no opaque middlemen. Just frictionless cross-border payments that are programmable, trackable, and secure.
Scale Without Limits
Polygon processes up to 1,000 TPS today, with a roadmap to 100k TPS. From marketplace payouts to retail remittances, your cross-border operations won’t outgrow Polygon.
Cross-Border Payments by Region
Asia & Southeast Asia: Mobile-First, Remittance Heavy
Billions flow across Southeast Asia in remittances each year. Polygon’s low fees and deep stablecoin liquidity enable migrant workers and their families to keep more of what’s sent home.
Latin America: Stablecoins vs. Inflation
In markets facing inflation and currency volatility, stablecoin rails on Polygon preserve value. Polygon’s has the most lLocal off-ramp coverage of any chains in Brazil, Argentina, and Mexico make cross-border payments seamless.
Africa: Inclusion Through Mobile Wallets
With large unbanked populations but high mobile adoption, Polygon enables direct transfers to wallets — supporting remittances, micro-loans, and community banking.
Europe & North America: Compliance & Scale
Polygon provides developers with expansive tooling so you can build within compliance frameworks like MiCA in the EU. Businesses can expand across regulated markets while leveraging Polygon’s throughput and security.
Challenges in Cross-Border Payments — and How Polygon Solves Them
Volatility Risk
Stablecoins like USDC eliminate exposure to FX volatility. Funds can also be instantly off-ramped into local fiat or local stablecoins issued by regulated entities.
Regulatory Requirements
Polygon integrates with leading KYC/AML providers to meet region-specific compliance standards. Transparent audit trails simplify reporting.
Liquidity & Off-Ramps
Polygon has native issuance of USDC, USDT0, and many other stablecoins for currencies around the world, from BRL to SGD.
Network Scale
Even at peak demand, Polygon delivers low fees and fast settlement. And with the gigagas roadmap, capacity is scaling toward 100k TPS.
The Polygon Advantage for Cross-Border
Access the tools, community, and resources you need to launch and scale your decentralized payment application on Polygon.
- Speed: ~5-second finality.
- Cost: Sub-penny fees vs. extractive wires wires
- Scale: Thousands of TPS today, 100k on roadmap.
- Battle-tested: Five years in production, secured decentralized validators
- Liquidity: Deep stablecoin market
Start Building in Minutes
- Explore docs: Polygon Knowledge Layer
- Integrate: APIs, SDKs, or plugins for rapid setup.
- Test: Deploy on Amoy Testnet with free faucet tokens
- Go live: Move real money globally, instantly.
