Why Polygon is the premier infrastructure for finance
Designing a payment system demands uncompromising performance, security, and economic viability. Polygon's multi-layered architecture brings a stable foundation for financial institutions, fintechs, and neobanks.
Meeting core architectural requirements
Stability
Polygon brings financial infrastructure that is where the cutting-edge and meets battle-tested as the first EVM compatible Layer-2. Predictable 99.9999% uptime, stability for enterprise-grade applications.
Throughput
Payments network built for systems high volumes that parallel Visa and Mastercard architecture. Polygon delivers institutional-grade performance, enabling applications to manage peak demand without compromising user experience.
Finality
Transactions reach near-instant finality, without settlement delays.
Low-cost
Fractions of a penny ~$0.001 for every transaction. Capital efficiency means higher margins.
Anchored to Ethereum for security
For institutional applications, security is non-negotiable. Polygon's architecture leverages the security of Ethereum as the ultimate settlement layer. The blockchain state and all transactions settle to the Ethereum mainnet, extending Ethereum's security to Polygon.
Design made easy
Polygon is lightweight: APIs, SDKs, and smart contract tools make it simple to connect Polygon-based payment infrastructure to existing enterprise systems.
Scalable payment system design patterns on Polygon
Retail & merchant payments
This pattern requires processing millions of daily transactions at near-zero cost. Polygon's high throughput and low fees means consumers wallets, point-of-sale networks, and payment gateways.
Architectural needs || High TPS, low transaction cost, fast confirmation.
Polygon Solution || Accelerating throughput (ramping up to 100k TPS), ~$0.01 per transaction, near-instant finality, no reorgs
Wholesale & cross-border settlement
Focuses on secure, efficient settlement for remittances, B2B payments, and institutional transfers, eliminating costly intermediaries.
Architectural needs || High security, guaranteed finality, stability.
Polygon solution || Ethereum L1 settlement, near-instant finality, no reorgs
Settlement systems with programmable money and assets
This pattern enables the tokenization of real-world assets (RWAs) and their instant settlement, moving beyond traditional T+2 cycles.
Architectural Needs || Smart contract programmability, fast settlement, institutional trust
Polygon Solution || Polygon's infrastructure is trusted by leading financial institutions to tokenize and manage regulated financial products.
