Give your business clients USD account numbers and SWIFT payouts with one API

Access USD bank rails. Your clients receive USD via SWIFT and local payment rails, hold balances as stablecoins, and pay overseas suppliers from the same balance. Open Money Stack runs conversion, compliance, and settlement underneath.

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The problem

Slow SWIFT corridors, capital controls, and punitive FX can hamper your business clients. Opening a USD account is impossible without a US banking relationship they do not have.

FEATURES

What you get

USD named accounts in your client's name

Provision dedicated USD account numbers your business clients use to receive SWIFT and local-rail payments

No crypto complexity

Open Money Stack deducts the amount from the client's stablecoin balance, or waits for an inbound stablecoin transfer, and converts to USD and pays out to the supplier's bank account.

Nested KYB on end businesses

KYB on your business clients directly under a nested compliance model. Your platform handles local-currency legs under your own VASP or MSB license.

How your client receives a payment

1

Open Money Stack runs KYB and provisions a USD account for your client. Your client shares the account and routing numbers with their overseas buyer.

2

The buyer wires USD through SWIFT or a local rail.

3

Open Money Stack converts received USD to stablecoins on arrival and credits your client's wallet

How your client receives a payment

1

Open Money Stack runs KYB and provisions a USD account for your client. Your client shares the account and routing numbers with their overseas buyer.

2

The buyer wires USD through SWIFT or a local rail.

3

Open Money Stack converts received USD to stablecoins on arrival and credits your client's wallet

How your client pays a supplier

1

Provide the supplier's bank details and chosen rail (SWIFT, ACH).

2

Open Money Stack deducts the amount from the client's stablecoin balance, or waits for an inbound stablecoin transfer. Open Money Stack converts to USD and pays out to the supplier's bank account.

3

Track every step. The supplier sees your client's name as the sender when the payment arrives

How your client receives a payment

1

Open Money Stack runs KYB and provisions a USD account for your client. Your client shares the account and routing numbers with their overseas buyer.

2

The buyer wires USD through SWIFT or a local rail.

3

Open Money Stack converts received USD to stablecoins on arrival and credits your client's wallet

How your client pays a supplier

1

Provide the supplier's bank details and chosen rail (SWIFT, ACH).

2

Open Money Stack deducts the amount from the client's stablecoin balance, or waits for an inbound stablecoin transfer. Open Money Stack converts to USD and pays out to the supplier's bank account.

3

Track every step. The supplier sees your client's name as the sender when the payment arrives

Advantages

Why Open Money Stack

01

Open and integrated. Alone in both.

Open Money Stack is the only unified, open stack for moving money globally. One API. One contract. One SLA. Get ramps, wallets and chains in one contract with one set of SLAs.

02

Proven at scale

Polygon has processed $2.5T+ in stablecoin volume. Polygon Chain has seen integrations by Stripe, BlackRock, and JPMorgan. Flow-of-funds for trade payments is documented across ARS, BOB, and CLP corridors.

03

Built for payments

Fast confirmation, predictable fees, and 24/7 availability.

04

Compliance built in

Licenses for regulated fiat access and a long operating history.

More Payments Use Cases

Talk to the Polygon team
Talk to the Polygon team

Ready to use stablecoins for cross-border trade?

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