payments-infrastructure · Polygon · payments · stablecoins · compliance · infrastructure
Polygon Puts a Payments Stack Behind One API
Polygon Open Money Stack combines identity checks, wallets, ramps, conversion, routing and settlement in a single enterprise integration.
Polygon Labs introduced Open Money Stack, or OMS, as a unified integration layer for businesses building dollar accounts, cross-border remittance flows and other payment products.
The stack brings compliance, wallet infrastructure, fiat and physical-cash ramps, conversion, transaction routing and blockchain settlement behind one API. Polygon says current coverage spans 48 U.S. states.
Licensed partners perform regulated functions such as verification, custody and money transmission. Polygon Labs operates the technology layer rather than replacing those regulated providers.
The product may reduce the number of separate integrations a business must assemble. It does not remove compliance obligations, custody exposure, counterparty dependence or execution risk across the underlying providers.
The next evidence is named production deployments, recurring payment volume, reliability across routes and transparent information about fees and failed transactions.
Sources and disclosures
Primary source: Polygon Labs, September 9, 2026. Coverage and capability descriptions are company-reported.
Update note
Observed September 11, 2026 BRT. The 48-state figure describes stated infrastructure coverage, not adoption.