How does 24/7 cross-border treasury settlement work?

Polygon Open Money Stack settles treasury funds on Polygon Chain with approximately 2-second finality, 24 hours a day including weekends and holidays. On-chain confirmed stablecoins constitute good funds, eliminating the need to pre-position capital in nostro accounts.

Does Polygon cross-border treasury require prefunding?

No. Stablecoin settlement on Polygon removes the need to pre-position capital. Capital is freed until the moment of transfer, unlike correspondent banking which requires funds locked in nostro accounts around the clock.

What compliance certifications does Polygon Open Money Stack hold for treasury use?

Polygon Labs is ISO/IEC 27001:2022 certified. Coinme, the licensed US Money Services Business partner, holds SOC 2 Type I certification with Type II in progress, plus FinCEN MSB registration and approximately 46-state MTL coverage.

Who is cross-border treasury settlement built for?

FX banks and treasury operators, PSPs and MSBs managing multi-currency flows, regional banks with cross-border settlement needs, and neobanks replacing correspondent banking infrastructure.

Settle cross-border treasury funds 24/7 with low-cost fiat ramps and stablecoin conversion

Your treasury keeps moving when correspondent rails stop. Settlement on Polygon clears in under 5 seconds, any hour of the day.

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The problem

Cross-border funds get locked on weekends and stop when banking does. Stablecoins introduce new mechanics.

FEATURES

What you get

Settle 24/7 with sub-5 second finality

Stablecoin settlement on Polygon clears at any hour. No correspondent banking, weekend cutoffs or holiday closures.

No crypto complexity

The Open Money Stack seamlessly handles US dollar to stablecoin conversions, onchain transfers, and wallet management through a single dashboard and API.

An audit-ready platform

Built in receipts, traceability, and multi-step payment approval workflows.

Cost Effective FX

Exchange stablecoins for hundreds of other local currencies to move your own corporate funds, or pay and get paid over local bank rails.

How it works

1

Onramp dollars to a named USD account Wire a bank payment to a unique account number issued by the Open Money Stack. Dollars convert to stablecoins on receipt.

2

Move stablecoins via one API call or the dashboard Send to any wallet, your own or a counterparty's.

3

Hold and govern balances in wallets you control You set the spending rules. The wallet enforces them every signature.

4

Pay out in dollars over SWIFT, ACH, or RTP OMS converts stablecoins back to dollars and deducts from the balance automatically.

5

Track every step The recipient sees your institution as the sender when the payment arrives.

How it works

1

Onramp dollars to a named USD account

Wire a bank payment to a unique account number issued by the Open Money Stack. Dollars convert to stablecoins on receipt.

2

Move stablecoins via one API call or the dashboard

Send to any wallet, your own or a counterparty's.

3

Hold and govern balances in wallets you control

You set the spending rules. The wallet enforces them every signature.

4

Pay out in dollars over SWIFT, ACH, or RTP

OMS converts stablecoins back to dollars and deducts from the balance automatically.

5

Track every step

The recipient sees your institution as the sender when the payment arrives.

01

One API. One Contract. One SLAOne API. One Contract. One SLA.

With Open Money Stack you get the benefit of ramps, wallets, and chains in one contract with one set of SLAs.

02

Proven at scale

Polygon has processed $2.5T+ in stablecoin volume.

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.

01

Coinme

Licensed US MSB for 10+ years. ~46-state MTL coverage. FinCEN registered. SOC 2 Type I certified.

02

Polygon Labs

ISO/IEC 27001:2022 certified. SOC 2 examination underway.

credits

Credentials

Coinme

Licensed US MSB for 10+ years. ~46-state MTL coverage. FinCEN registered. SOC 2 Type I certified.

Polygon Labs

ISO/IEC 27001:2022 certified. SOC 2 examination underway.

More Payments Use Cases

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Ready to add stablecoin cross-border treasury?

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