Wallets for stablecoin payments on your platform
Multichain support built in
Every wallet use case for payments
Give customers a reason to keep money in your product. Idle balances earn automatically.
Accept, hold, and settle from named accounts without a banking license.
Add transaction privacy to your payment flows. Amounts stay confidential between sender and receiver.
Power subscriptions, scheduled payouts, and treasury sweeps without interrupting your users.
Money settles in seconds, 24/7. No correspondent banks or waiting until Monday.
AI agents pay on your customers' behalf within scoped, on-chain limits.
You bring the brand. We bring the infrastructure.
Users sign up the way they already do – email, phone, social login.
Fully white-labeled. The only product your users ever see is yours.
Dollar balances turn your product from somewhere money moves to somewhere money stays.
Not a point solution.
The whole Open Money Stack.
Connect every layer your payment product needs from a single integration with the Polygon Open Money Stack.
Works across blockchains with USDC, USDT, and more. Cross-chain routing handled automatically.
From zero to live stablecoin payments in days with SDKs in every language your team uses.
Non-custodial wallets
Your customers always control their funds
Hold, spend, and grow stablecoin balances inside your product. Payouts to contractors and counterparties anywhere in the world. Add yield on idle balances.
Fintechs, neobanks, marketplaces, prediction markets, and more.
Custodial wallets
A licensed partner holds the keys. KYC, custody, and the money transmitter license are absorbed for you.
Fiat to crypto and back. Settle anywhere in the world. Batch payouts, treasury ops, and B2B flows in a single API.
Payment platforms, treasury teams, cash ramp providers, and any business that needs to move money on behalf of its customers.
Enterprise-grade wallet security
01
Recovery
Integrated account recovery so your users don't lose access and your team doesn't hold keys.
02
Proven in production
Independently audited at every release. Built with licensed custody partners. Battle-tested in production since 2021.
03
Enterprise-grade security
Wallet keys are generated and stored in AWS Nitro secure enclaves. Never exposed to Polygon, your software, or your team.
Frequently
asked questions.
What is Polygon's wallet infrastructure?
Polygon's wallet infrastructure is a set of APIs and SDKs that let platforms embed non-custodial or custodial wallets directly into their products. Users can hold, send, and receive stablecoins without needing to understand blockchain. The infrastructure is built on Polygon Chain and is part of the Open Money Stack.
What's the difference between Polygon's embedded wallet and custodial wallet?
Embedded (non-custodial) wallets are self-custody — the user owns their keys. Custodial wallets are managed by Polygon on your platform's behalf, with simpler UX and no key management for end users. Both are available through a single API integration.
Do my users need to know anything about blockchain?
No. Polygon's wallet infrastructure is designed to be invisible to end users. They interact with a familiar financial UI while settlement happens onchain behind the scenes.
Is Polygon's wallet infrastructure production-ready?
Yes. Polygon wallets power applications across payments, gaming, and consumer finance with enterprise-grade security and compliance tooling including KYC and MTL.
