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Something quiet has happened while the payments industry is debating the future of money: businesses in Latin America have started using it differently.
Not because they read a whitepaper, but because sending $10,000 through a correspondent banking chain and watching $150–500 disappear into fees and FX spreads, then waiting four business days to find out if it arrived, stops being acceptable at some point.
The SWIFT network was built for another era. Fees, float, opacity: none of it is designed for fintechs processing thousands of small-value cross-border transfers, daily. It’s designed for a world where international payments are rare, large, and handled by institutions with the balance sheet to absorb the friction.
That world is gone. Stablecoin settlement rails are being adopted by institutions with no particular interest in crypto. LATAM is where the shift is most visible. Institutions in the region are adopting stablecoins because the economics are materially better, the settlement is faster, and the capital requirements are lower. This piece breaks down the real numbers on both sides.
Ask a CFO what it costs to send an international wire and they'll quote you a number between $25 and $50. That's the fee their bank charges to initiate the transfer and on a typical cross-border payment, it's the smallest cost on the list.
The rest is spread across line items that never appear on the same invoice.
Transaction fees. US banks charge $25–50 to send an international wire, with Chase running $40 online in USD and Wells Fargo at $25 digital. The receiving bank charges another $10-20 on the other end. For a $1,000 transfer, that's 3–7% before anything else.
FX spread. Banks don't use the mid-market rate, which makes sense from a revenue perspective. They apply a markup of 2–5% above it; Wells Fargo discloses this explicitly in its fee schedule: \"The exchange rate Wells Fargo provides to you may be different from exchange rates you see elsewhere.\" On a $50,000 transfer at a 2.7% markup, that's $1,350 in conversion cost which isn’t disclosed on any fee schedule, rather invisible until the funds arrive short.
Intermediary deductions. SWIFT transfers route through correspondent banks between sender and receiver. Each one can deduct a fee mid-transfer — Wise estimates $15–50 per correspondent bank — without either party knowing in advance. These \"lifting fees\" reduce the amount received without explanation. The sending bank cannot guarantee the total because it doesn't control what downstream correspondents will charge.
Capital lockup. Wire transfers take 2–5 business days to settle. During that period, funds are debited from the sender but not credited to the recipient. For a company running $10 million per month in cross-border payments, that means $1.5–2.5 million is in transit at any given time, unavailable for operations, earning nothing. At a 5% cost of capital, that idle float costs roughly $75,000–125,000 annually, just from settlement delay.
Then there's the prefunding requirement. To process same-day payments across currency pairs, institutions must maintain pre-funded nostro accounts in each market. JPMorgan alone likely holds $15–25 billion in nostro balances globally. For smaller institutions and fintechs, that capital requirement is a direct barrier to operating in new corridors.
The combined cost of traditional rails on key LATAM corridors runs 2–7% of transaction value, with 2–5 day settlement and continuous capital locked in prefunded accounts.
Stablecoin settlement on Polygon compresses each of those four cost categories.
Across B2B implementations, the total reduction for adopting stablecoins consistently lands in the 30–50% range when all cost components are included: transaction fees, FX spread, float, and intermediary deductions. EY's 2025 stablecoin survey found 41% of current users reporting cost savings of at least 10% in B2B cross-border payments, with midsize firms reporting 10–20% savings. BVNK's Stablecoin Utility Report 2026, surveying 4,600 users across 15 countries, found stablecoin transfers cost an average 40% less than traditional remittance channels.
Onchain fees are not the whole picture; on/off-ramp fees and FX conversion at the fiat legs still apply. The savings come primarily from eliminating intermediary deductions, reducing float costs, and removing the prefunding capital requirement.
Stablecoin rails change the economics of cross-border payments in four distinct categories. And institutions that have run the numbers are acting on all four. Adoption is following operational arguments on their own merits. Below, we cover how banks, remittance platforms, PSPs, and corporate treasuries are utilizing this technology in the real world.
Settlement efficiency. The clearest signal is coming from the region itself: LATAM.
BTG Pactual, Latin America's largest investment bank, issued BTG Dol, bank-issued dollar-backed stablecoin, explicitly to eliminate the cost and friction of cross-border dollarization for Brazilian clients. Nubank, serving 127 million customers across Brazil, Mexico, and Colombia, embedded USDC into its platform as a core financial product; by mid-2025, one in four new Nubank Cripto investors chose USDC as their first holding. Itaú Unibanco, Brazil's largest bank, integrated crypto and participated in the Central Bank of Brazil's Lift Challenge for DLT-based cross-border payments. Most recently, Grupo Braza, Brazil's largest foreign exchange bank, expanded BBRL, its fully-backed, BCB-regulated Brazilian real stablecoin, to Polygon, connecting BRL liquidity directly to global payment infrastructure. Brazil's Central Bank has reported that over 90% of the country's crypto transaction volume is stablecoin-denominated and the primary use case is cross-border payments and treasury.
Counterparty risk reduction. Traditional wire transfers have a multi-day window where funds are in transit and either party can face operational failure. Stablecoin settlement is atomic: the transaction either completes or it doesn't. Nothing is in limbo.
Capital efficiency. Eliminating multi-day settlement frees working capital that previously sat idle in transit. For institutions processing large volumes, this is a meaningful improvement in return on capital.
Treasury optimization. Stablecoin balances can earn yield while waiting for deployment. Rather than idle nostro accounts earning minimal returns, treasury teams can hold dollar-denominated stablecoins in interest-bearing positions and redeploy instantly when payment is needed.
The savings are measurable and significant.
Mizuho research reports that remittance fees via stablecoin rails in the US–Mexico corridor are now under 1%, a huge cost-savings against the 5–7% average on traditional channels. Fireblocks' 2025 survey found that 71% of Latin American institutions are already using stablecoins for cross-border payments, the highest regional adoption rate globally. EY's 2025 stablecoin survey found that 80% of non-users are actively exploring adoption.
Mexico received $64.7 billion in remittances in 2024, an all-time record that saw a drop in 2025. The US–Mexico corridor alone accounts for the majority of that, and it's where the stablecoin model has already proven itself at scale. Bitso processed $6.5 billion in US–Mexico crypto remittances in 2024, roughly 10% of the entire corridor, with competitive FX and same-day settlement. Felix Pago has processed over $1 billion through a USDC-to-SPEI model that settles via WhatsApp, at fees well below Western Union's.
Platforms still running remittance volume through traditional correspondent rails on these corridors are competing against stablecoin cost structure. New blockchain-based rails are not only viable on US→MX, US→BR, or US→AR, but are seeing increasing volume for operators who've already made the switch.
Brazil is the largest crypto market in Latin America, with $318.8 billion in crypto inflows through mid-2025 and over 90% of flows moving through stablecoins. The infrastructure for remittance settlement into PIX is live. The regulatory framework, BCB Resolutions 519–521, effective February 2026, is defined. What's left is execution.
If your product is the cross-border payment layer, then the rail you settle on is a direct input to your margin. Your settlement speeds and your ability to launch new corridors without standing up new banking relationships are all constrained by legacy systems. This is true if you’re building a remittance API, an embedded payments platform, or you’re a PSP managing multi-country settlement.
The fragmentation problem is structural.
PIX in Brazil, SPEI in Mexico, Transferencias 3.0 in Argentina, Bre-B in Colombia: none interoperate natively. Every new corridor means a new integration, a new compliance relationship, a new prefunding requirement.
Companies like Conduit and BlindPay are already building on stablecoin settlement precisely because it collapses that stack; the cross-border leg settles on a single standard, and local-currency conversion happens at the fiat edge via licensed on/off-ramp providers.
A platform that settles in USDC on Polygon can reach any corridor where a licensed ramp exists, without a new correspondent banking relationship for each one. Conduit hit $10 billion in annualized cross-border volume in 2024, growing 16x in a single year, with Latin America as its primary market.
For PSPs managing high-frequency, lower-value flows, the per-transaction economics are the point: sub-cent settlement costs versus $25–50 wire fees mean the unit economics of serving SMB cross-border volume change entirely.
Many finance teams fear the float number. On $10 million per month in cross-border payments, 2–5 day settlement means roughly $1.5–2.5 million is in transit at any given time. At a 5% cost of capital, that's $75,000–125,000 a year in idle money, all before you count the 2–5% FX spread or the $25–50 wire fee on each transaction.
For corporates running supplier payments, intercompany settlement, or multi-entity treasury across LATAM, that's the baseline cost of operating on traditional rails.
Stablecoin settlement eliminates the float. Funds move in seconds, 24/7, without weekend cutoffs or holiday delays that compound settlement timelines on LATAM corridors.
Dollar-based wallets and neo-treasury providers operating in high-inflation markets are already holding stablecoin balances as a treasury position. The settlement infrastructure is identical to what cross-border payment flows need, which means if you're already in stablecoins for treasury, the operational lift to add B2B settlement on top is smaller than you'd expect.
For LATAM operators, regulatory clarity on stablecoins arrived in 2025 and 2026.
Brazil: BCB Resolutions 519–521 (effective February 2026) classify stablecoin transactions as foreign exchange operations, bringing them under the same framework as traditional remittances. Compliance requirements are now defined. VASPs require BCB authorization with R$10.8–37.2M in minimum capital, depending on activity type.
Mexico: The Ley Fintech (2018) established the foundational framework for regulated payment institutions. B2B stablecoin operators function under Mexico's AML regime as non-financial entities — which is workable today, and regulatory modernization for stablecoins is actively underway.
United States: The GENIUS Act, signed July 18, 2025, established the first federal framework for payment stablecoins — 1:1 reserves, monthly attestations, and AML compliance requirements. This materially de-risks USD stablecoin infrastructure for LATAM operators whose flows originate in the US.
The consistent signal: stablecoin infrastructure is becoming regulated financial infrastructure. Operators who are building on compliant rails are ahead of competitors still evaluating their options.
The traditional rail cost structure in LATAM cross-border payments is stuck in the past. Correspondent banking fees are sticky, FX spreads remain wide in emerging market corridors, and the capital requirements for prefunding don't shrink.
And the stablecoin alternative is already here. Visa, Mastercard, Stripe, and JPMorgan are running live stablecoin settlement infrastructure today. Conduit crossed $10B in annualized volume in 2024. Bitso Business is processing stablecoin settlement for over 1,900 clients. This is institutional validation at scale.
For LATAM payment operators, the numbers are well-documented: 30–50% reduction in end-to-end transaction costs depending on corridor and volume, near-zero settlement float, 24/7 availability, and the elimination of the prefunding capital that currently sits idle across every corridor you operate.
The infrastructure to do this on Polygon is available now.
Reclaim cross-border costs with Polygon.
Talk to our team about migrating your LATAM payment operations to stablecoin rails. We work directly with PSPs, fintechs, neobanks, and treasury teams on architecture, compliance, and implementation and can help you change your legacy (rails) in weeks, not months.
Get in touch with Polygon's enterprise team →
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Polygon Labs today announced the launch of the Polygon Agent CLI, an end-to-end toolkit that enables AI agents to securely create wallets, move stablecoins, bridge assets, and register onchain identity, settling on Polygon.
Available now via GitHub and as an installable skill for agent frameworks, the Agent CLI is designed to give developers the fastest path from zero to an agent that can safely hold money, spend money, and be trusted by other agents and services.
This is infrastructure for programmable money.
One install. Everything an agent needs to operate onchain: pre-integrated, agent-aware, and secure by default.
This is infrastructure for programmable money.
AI agents can reason. They can plan. They can execute workflows.
But the moment they need to move funds onchain, most teams are assembling the answer themselves:
Each from a different provider, and none designed for agent-specific threat models.
The result is fragmented, fragile infrastructure sitting underneath systems that are supposed to operate autonomously.
The Polygon Agent CLI replaces that stack with one integrated toolkit. Easy to install:
> npm install -g @polygonlabs/agent-cli
That's it. From there, your agent can create a wallet, check balances across chains, send tokens, swap, bridge, register an onchain identity, build reputation, and pay for x402 endpoints.
All in stablecoins, all without touching a native gas token.
The Polygon Agent CLI gives AI agents everything they need to operate onchain:
The CLI is built with three layers that work together in a single system.
Wallet infrastructure: Session-scoped smart contract wallets. Your agent gets a smart wallet with per-token spending limits, contract whitelists, and 24-hour expiry. The private key never enters the agent's context, which matters a lot when you're running an LLM that could be prompted to leak it.
Transaction orchestration: One command to swap, bridge, or execute any onchain action. Polygon’s Trails handles routing, price discovery, and execution under the hood. Your agent doesn't need to know which DEX it's using, it just tells Trails what it wants and Trails handles the rest.
ERC-8004, for onchain agent identity and reputation: Co-authored by MetaMask, the Ethereum Foundation, Google, and Coinbase, this is the part that makes agent-to-agent commerce possible. ERC-8004 is the emerging Ethereum standard for agent identity. With the Polygon Agent CLI, registering your agent's identity is a single command.
From there, your agent can accumulate reputation, become discoverable by other agents and services, and participate in a trustless agent economy.
Three things that matter for agents specifically:
No gas token management. Agents pay for every onchain action in USDC. No need to hold POL, ETH, or any native gas token. The abstraction layer handles it.
Keys never touch the LLM. The session wallet architecture keeps private keys encrypted at rest and out of the agent's context window. Prompt injection attacks can't convince an agent to give over the keys they don’t know.
x402 for HTTP micropayments. As more APIs and data services adopt the x402 protocol, agents can pay per-request in stablecoins as part of the normal HTTP flow. No API keys to manage. No subscriptions. The agent just pays for what it uses.
Before any transaction broadcasts, the CLI shows your agent exactly what will happen. In agentic contexts where an agent might be making thousands of decisions, preview-before-commit is the safety layer that keeps humans in control of what actually touches the chain.
Install as a skill via Openclaw (one line), as a Claude skill, or clone the repo directly. Works with LangChain, CrewAI, and any framework that supports tool use.
The agent gets full context and can execute wallet, token, swap, and identity operations autonomously.
Install: npm install -g @polygonlabs/agent-cli
Docs: docs.polygon.technology/payment-services/agentic-payments/polygon-agent-cli
GitHub: github.com/0xPolygon/polygon-agent-CLI
The agent economy needs infrastructure. This is it.
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Today, Polygon successfully executed a payments-grade infrastructure upgrade that subsidizes agent-native commerce with one million in gas incentives and makes settlement economics more predictable. It also aligns Polygon with Ethereum’s latest security standards, strengthening validation and resilience across the network.
There was no downtime and no interruption to stablecoin settlement.
For fintechs, payment service providers, institutions, and developers building programmable commerce, Lisovo lowers the cost barrier for agent payments and enables safer, more controlled fee behavior as network demand grows.
Lisovo introduces three concrete improvements to Polygon’s production payment rails.
First, through recently approved governance, Polygon will refund 100% of gas costs, up to $1 million in gas, for transactions routed through the Polygon x402 facilitators. This lowers the barrier for early-stage agent-native payments, where AI systems pay APIs, data feeds, and services in stablecoins.
Second, the upgrade allows validators to adjust fee behavior within defined safety bounds without requiring another protocol upgrade. Previously, modifying how fees respond to sustained demand required a coordinated hardfork. Now, fee responsiveness can be tuned gradually and safely as usage grows.
Third, Lisovo incorporates Ethereum-aligned security updates and improved support for modern cryptographic standards used in passkey-based and embedded wallet experiences.
Each change reinforces Polygon’s positioning as infrastructure built for real money movement.
Machine-to-machine payments are emerging quickly.
Agents are beginning to:
If every interaction requires managing native gas tokens or absorbing unpredictable fees, adoption slows.
The $1 million gas incentive removes that friction. Developers can experiment with agent-native commerce without worrying about gas economics, and early payment flows can scale before cost sensitivity becomes a constraint.
Subsidizing infrastructure at this stage is strategic. It accelerates the development of programmable payment systems while keeping the underlying settlement secure and production-ready.
Payment operators care deeply about fee predictability.
If you are pricing stablecoin transfers, managing B2B settlement flows, or modeling treasury operations, sudden shifts in fee mechanics generate uncertainty.
Lisovo enables Polygon validators to fine-tune fee responsiveness within strict boundaries without forcing another network-wide upgrade. That reduces operational risk for enterprises and ensures settlement economics can evolve alongside real-world demand.
Lisovo also incorporates updates aligned with Ethereum’s latest security standards.
For institutions deploying real volume, this matters. Alignment reduces fragmentation, strengthens validation rules, and ensures Polygon continues to inherit improvements from the broader Ethereum ecosystem.
Specifically, Lisovo provides expanded support for modern wallet login methods, including passkeys and hardware-backed authentication. As more payment apps move toward passwordless sign-in and embedded wallets, this ensures those experiences work smoothly and securely on Polygon, fully aligned with Ethereum’s latest standards.
Lisovo also improves how nodes propagate pending transactions and strengthens block verification through additional peer confirmation, reducing the risk of stuck transactions and improving RPC stability for payment applications operating at scale.
For fintechs and enterprises deploying smart contract wallets, this improves compatibility with passkey-based and device-native authentication without requiring custom workarounds. It ensures that Polygon remains aligned with emerging wallet standards as payment experiences move toward account abstraction and embedded custody.
While not visible to end users, these improvements reduce execution risk for modern wallet flows and reinforce Polygon’s readiness for mainstream, secure onboarding.
Combined with recent upgrades that increased throughput, reduced finality times, and eliminated reorg risk, Lisovo reinforces a clear trajectory: Polygon continues to cement itself as enterprise-ready payment infrastructure.
","category":"643666dc103902d16a7aa5fe","tags":["67dc12b25b56c7112bd83425","643666dc10390215a17aa5d9","643666dc10390291827aa5c1"],"author":"643666dc103902adf37aaa31","published-date":"2026-03-04T00:00:00.000Z","alt-text":null,"meta-title":"Polygon Activates $1M Gas Subsidy for Agent Payments in Lisovo Upgrade","meta-description":"Polygon’s Lisovo upgrade activates a $1M gas subsidy for agent payments, including x402 transactions, while enabling more predictable fee mechanics and Ethereum-aligned security for stablecoin settlement and enterprise-grade payment flows","trending-featured-blog":false,"page-list":["643666dc1039025dab7aa618","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc10390235387aa624","643666dc10390247b27aa623","643666dc1039022cb07aa61a","643666dc1039020b147aa628","643666dc103902b95c7aa616","643666dc10390289187aa61b","643666dc1039020fbb7aa622","643666dc10390226d47aa627","6683ca5fbc467488db33a3e4","643666dc10390259397aa63c","643666dc1039024c197aa61f","643666dc10390244df7aa620","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc10390236ba7aa617","643666dc103902b2527aa61d","643666dc1039025ae87aa63b","643666dc10390258577aa625"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"Polygon Upgrade Activates $1M Gas Subsidy for Agent Payments, Enhances Fee Stability","slug":"polygon-upgrade-activates-1m-gas-subsidy-for-agent-payments-enhances-fee-stability"}},{"id":"69a6fd2f6de96f12b02eabaa","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2026-03-03T15:24:31.978Z","lastUpdated":"2026-03-03T15:24:31.978Z","createdOn":"2026-03-03T15:24:31.978Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"With a payments platform designed for real-world use, Paxos is bringing real volume to everyday stablecoin use","thumbnail-image":{"fileId":"69a6fc8342715be79b193097","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69a6fc8342715be79b193097_Paxos%20on%20Polygon_Blog%20Cover%201%20(1).png","alt":null},"featured-image":{"fileId":"69a6fc8342715be79b193097","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69a6fc8342715be79b193097_Paxos%20on%20Polygon_Blog%20Cover%201%20(1).png","alt":null},"blog-content":"💼 Enterprise takeaway: For business development and sales teams evaluating stablecoin payment infrastructure, the data stand out in Paxos’s integration on Polygon:
Paxos, an enterprise blockchain payments platform that issues regulated stablecoins, is opening the world of onchain finance to everyday people. Last year, the market cap of assets issued by Paxos increased from $1B to $7.6B. These include their innovative stable, USD Global (USDG), which passes yield from assets backing it to platforms that adopt it.
Volume from the Paxos stablecoin payment platform crossed $1.3 billion on Polygon. Launched across three leading blockchains, the Paxos payments platform has thrived on Polygon, where low fees (under $0.01 per transaction) and stable, high throughput make its payments economics work at scale. Below, we look at why Polygon has become central to an ambitious real-world payments platform.
![\"__wf_reserved_inherit\"](\"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69a6fcc46736ed954cc52463_Paxos%20on%20Polygon_Chart%20(1).png\")
Accepting a stablecoin payment has too often come with too much complexity. Managing managing wallet addresses, monitoring blockchain confirmations, handling refunds onchain, and reconciling transactions against internal ledgers. Add the conundrum of converting from digital assets to fiat, what you have is fragmented infrastructure to build a payment rail that most finance teams have never used.
At the same time, the case for stablecoins payments is real. Card networks charge merchants 1.5% to 3.5% per transaction. Cross-border wire transfers take days and carry unpredictable FX costs. Settlement windows create float problems for cash-constrained businesses. Even modest improvements in cost and speed translate into material gains. Still, most companies lack the resources to integrate stablecoins on their own.
💼 Enterprise takeaway: For CFOs and treasury teams, the math is straightforward.
Paxos built its stablecoin payment platform for widespread, real-world adoption. The platform gives merchants and payment processors a turnkey API layer for accepting and sending stablecoins, without requiring them to manage the underlying blockchain complexity themselves.
The core workflow is straightforward. Sellers use the Paxos API to generate a deposit address tied to their account. That address is shared at checkout, where buyers send stablecoin directly from their wallets. Paxos detects the incoming payment, confirms it onchain, and credits the seller's account. Sellers can choose to hold the balance in stablecoin or convert it instantly to USD and settle to a bank account. Refunds work in reverse: USD funds are converted to stablecoin and sent directly to the buyer's original wallet address.
The platform currently supports USDG, PYUSD, USDC, and USDP across Solana, Ethereum, and Polygon. It handles monitoring, reconciliation, and status tracking through a single API, so merchants do not need to build separate infrastructure to track payment state across blockchains.
Paxos designed the onboarding experience to reduce friction. Businesses can leverage existing onboarding flows and data for merchant setup, which matters a great deal when rolling out a new payment method at scale. For refunds, the platform handles the stablecoin conversion automatically. A merchant initiates a refund in USD, and Paxos converts and sends the equivalent stablecoin to the buyer's wallet. The entire flow is programmable and auditable.
💼 Enterprise takeaway: For payment operations and engineering teams, a single API that handles acceptance, conversion, reconciliation, and refunds across multiple blockchains and stablecoins means consolidating what would otherwise be multiple vendor relationships and custom integrations into one platform. That reduces operational complexity and eliminates the need to build and maintain bespoke blockchain infrastructure, lowering both time-to-launch and ongoing engineering overhead.
The Paxos payments platform has processed over $1.3 billion in volume on Polygon. Polygon brings low-fees (less than $0.01), saving retailers millions in dollars that would otherwise have gone to card processes. At the volumes Paxos processes, even small per-transaction fees compound quickly. Polygon provides the consistent capacity to handle demand without degrading the buyer experience at checkout, recently upgrading network capacity by 83% to meet growing demand.
The scale and trajectory of this growth is significant.
With an average transaction size of approximately $15,900 and 40–70% of monthly transactions under $100, the Paxos platform serves the full spectrum of business payments. From everyday consumer checkout and micro-payments to merchant disbursements, platform payouts, and cross-border settlements, Paxos supports it all, with the same sub-cent fee structure.
The broader picture is notable. Paxos-issued assets grew from a $1B to a $7.6B market cap in a single year. USDG, which passes yield back to holders, gives businesses an economic incentive to integrate and hold stablecoins rather than immediately converting to fiat. That changes the calculus for treasury teams weighing whether stablecoin adoption makes financial sense.
For payment processors, platforms, and merchants evaluating stablecoin payment infrastructure, the Paxos and Polygon combination offers a concrete answer to the practical questions: What does it cost per transaction? How fast does settlement happen? What happens when a buyer needs a refund? The answers, with $1.3B in verified volume, are becoming increasingly clear.
The Paxos payments platform is exactly the kind of real-world use case the Polygon Open Money Stack is built to support and expand. The Open Money Stack is Polygon's vertically integrated stack for moving money instantly, anywhere, at any scale: combining blockchain rails, onchain and offchain orchestration, compliance tooling, wallet infrastructure, and stablecoin interoperability into a single system. Where Paxos has demonstrated what is possible on Polygon today, the Open Money Stack is the foundation for what comes next: a world where merchants, platforms, and financial institutions can plug into regulated, programmable money movement without building the plumbing themselves.
Ready to build on the Open Money Stack? Get early access to new components as they roll out, work directly with the Polygon team, and help shape the future of global money movement. Apply for early access.
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In this case, that’s as a settlement layer in the background.
The reality is stablecoins execute on the hard part by moving value quickly and predictably. But friction comes in the last mile: how do you turn an onchain dollar into something people that’s actually usable in the real world?
This is a case study in how stablecoins become real, tangible digital money, and why Polygon is a practical rail for making that transition work at scale.
Global money movement was built for a different century. Right now, payments merchants face a number of barriers:
Stablecoins solve a major piece of this equation: they move dollars on open rails without correspondent banking delays.
But for most customers, this remains clunky. Users can get stablecoins, but spending them on a hot meal at a restaurant or a local convenience store down the street is next to impossible.
The challenge becomes: how do you make stablecoin spending feel as familiar as a normal payment, while benefiting from faster, cheaper settlement under the hood?
DeCard is a card product designed around a simple premise: let people spend stablecoins in the real world, without forcing merchants or consumers to behave differently. DeCard helps make Polygon a settlement layer for retail-scale stablecoin payments, so users can pay with stablecoins like USDC and USDT at everyday merchant point-of-sale locations.
With DeCard, users and merchants can tap into account features designed for day-to-day control and operational clarity: an account layer (D‑Vault) intended to streamline reconciliation, payment tracking, and repayments, all in a single system.
On the infrastructure side, Polygon provides the settlement foundation that makes this usable in practice: with enterprise-grade throughput and low-fees, built to support payments and stablecoin flows.
From an implementation perspective, the hard parts of payments are ironed out:
Stablecoins work when the experience of spending them feels like something merchants and customers already know.
DeCard’s integration targets a measurable outcome that matters to any payments leader: distribution. DeCard payments are accepted at more than 150 million merchants globally, positioning stablecoins as a practical payment method for real-world commerce at scale.
That merchant reach reframes stablecoins from a niche balance type into something closer to a universal settlement instrument:
Keep acceptance familiar, keep the value layer modern.
DeCard’s Lunar New Year campaign, which wrapped up at the end of February, onboarded new users with a better way to pay. But the real push was promoting an onchain loyalty points for payments usage that can be studied by other payments teams.
The campaign data show an increase in adoption:
DeCard’s DePoints is a masterclass in turning onchain activity into loyalty points that can be redeemed for cash credit, travel rewards, and more.
Combining blockchain verifiability with loyalty points, DeCard is pioneering a new approach to making payments easy and convenient, with lower costs and faster settlement than traditional rails.
If you are building stablecoin-enabled payments, the DeCard pattern is worth studying as a way to abstract the friction generally associated with digital asset payments and turn the power of stablecoins over to users and merchants alike. Their loyalty program and targeted campaign show real-world numbers that actually lead to adoption.
Key takeaways:
Polygon’s role in this stack is simple: provide settlement infrastructure that is reliable enough for payment-scale flows, so products like DeCard can focus on distribution, user experience, and compliance-grade operations.
","category":"643666dc10390242d17aa5ff","tags":["643666dc1039020df37aa5f6","69a051bd35cea0492475bcd6","643666dc103902a4997aa5f9","67dc12b25b56c7112bd83425","643666dc10390215a17aa5d9"],"author":"643666dc103902adf37aaa31","published-date":"2026-03-03T00:00:00.000Z","alt-text":null,"meta-title":"DeCard Powers Stablecoin Payments at 150M+ Merchants on Polygon","meta-description":"Learn how DeCard uses Polygon as a settlement layer to let users spend USDC and USDT at real-world merchants","trending-featured-blog":false,"page-list":["643666dc10390226d47aa627","643666dc10390247b27aa623","643666dc1039025dab7aa618","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc10390235387aa624","643666dc1039022cb07aa61a","643666dc1039020b147aa628","643666dc103902b95c7aa616","643666dc10390289187aa61b","643666dc10390236ba7aa617","643666dc1039020fbb7aa622","6683ca5fbc467488db33a3e4","643666dc10390259397aa63c","643666dc1039024c197aa61f","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc10390244df7aa620","643666dc103902b2527aa61d","643666dc1039025ae87aa63b","643666dc10390258577aa625"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"DeCard Powers Stablecoin Commerce for 150M+ Merchants Globally, All on Polygon","slug":"decard-powers-stablecoin-commerce-for-150m-merchants-globally-all-on-polygon"}},{"id":"69a1fd2ccf12e7f1774ae952","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2026-02-27T20:23:08.533Z","lastUpdated":"2026-02-27T20:23:08.533Z","createdOn":"2026-02-27T20:23:08.533Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"How to turn stablecoins into production-grade financial rails","thumbnail-image":{"fileId":"69a1fc8b98c13f922256601b","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69a1fc8b98c13f922256601b_putting%20the%20stack%20in%20open%20money%20stack.png","alt":null},"featured-image":{"fileId":"69a1fc8b98c13f922256601b","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69a1fc8b98c13f922256601b_putting%20the%20stack%20in%20open%20money%20stack.png","alt":null},"blog-content":"tl;dr
Everyone agrees on the destination.
Money should move reliably, at low cost. That requires predictable settlement without surprise deductions or delays.
But the architecture to make this possible remains a place of wide-open design.
Most institutions building stablecoin payment flows today take the same path: choose a compliance vendor, a wallet provider, a bridge, an off-ramp, and a chain. When they have what they like, they stitch these solutions together. Each integration requires independent maintenance.
In practice, this works, right up to the moment that volume grows or something goes wrong.
Then teams must debug an outage that lives somewhere between three vendors and a dozen systems.
The Open Money Stack approaches the problem from a different architectural angle. It is vertically integrated by design, a system where each layer is built to hand off cleanly to the next. And it’s composable. If an institution only wants to utilize one aspect of the Open Money Stack (say, Polygon Chain), they can pick and choose.
Easy integration and maximum choice: that’s the point.
The OMS will make integrating stablecoin payments into any existing financial flow easy and convenient: Everything in a single API.
But behind the scenes, there’s a software stack that makes integration possible. While other companies have built the top-of-the-stack first, starting with wallet infrastructure, APIs, orchestration and on/off-ramps, Polygon began with the bottom (and arguably the most difficult) aspect of the stack, first: building a performant blockchain.
Everything in the OMS is built on the foundation of Polygon Chain, which has already processed more than $2.3T in stablecoin volume, with major integrations by Revolut, Stripe, Flutterwave, and more.
Below, we unroll each major component of the stack.
Polygon’s Open Money Stack provides enterprise-grade smart contract wallets that remove blockchain friction while preserving control. This means:
For enterprises, this means role-based access, policy controls, recovery mechanisms, and auditability without defaulting to custodial risk.
For consumers, it means onboarding that feels familiar. A single wallet address per user. Consistent across applications and chains.
Embedded wallets demonstrate materially higher transaction conversion rates than traditional self-custody flows.
Institutions and enterprises can also decide whether they want to go with a custodial or non-custodial wallet option, both of which are supported in Polygon’s OMS.
How wallets are architected helps determine what a payments flow looks like.
Money starts offchain.
Coinme, which is being acquired by Polygon Labs (subject to regulatory approval), provides the licensed on- and off-ramp infrastructure connecting bank accounts, debit cards, and physical cash to stablecoins. It operates as a licensed money services business across 48 U.S. states, with embedded KYC, AML, and reporting.
This is the layer many payment teams underestimate.
Getting money into stablecoins takes more than API calls. It requires bank relationships, licensing, compliance infrastructure, and distribution. Coinme has spent nearly a decade building its business, including more than 50,000 physical retail locations and over $1 billion processed.
Without regulated fiat access, stablecoin payments remain a closed loop. Fast onchain. Disconnected from the real financial system.
Liquidity does not live on a single chain. Neither should businesses.
The OMS will manage interoperability across hundreds of chains, with routing, bridging, and execution happening behind the scenes.
This will be through Agglayer, unifying all of crypto’s liquidity, and Trails, a 1-click cross-chain intents protocol.
From the perspective of a payments team, it really doesn’t matter. What matters is execution. A transaction goes in. Funds arrive where they need to go.
As stablecoin usage grows, the number of networks involved increases. A production system cannot require manual corridor configuration for every counterparty.
Trails abstracts that complexity. And it’s already live.
All of this depends on reliable settlement: Polygon Chain.
Polygon settles transactions in less than two seconds, with fees that average $0.002, even under high demand. The network has processed over $2.3 trillion in stablecoin volume.
Recent upgrades materially increased throughput by 83% and reduced finality time, bringing the network to 2600 tps with near-instant settlement, and only improving.
Settlement infrastructure should be boring.
Historically, of these layers exists independently:
But every seam adds operational surface area. The Open Money Stack reduces that surface area.
With the Open Money Stack:
Importantly, integration does not eliminate flexibility. Institutions can still extend, customize, and interoperate. That means picking and choosing what they need for their payments flows. But they are not required to assemble foundational plumbing themselves.
Integrate once. Move money end to end. Adapt over time.
The shift from correspondent banking to always-on settlement networks is structural. The Open Money Stack is designed to make stablecoins production-grade for enterprises that care about reliability, compliance, and economics.
Early access is now open.
If you are evaluating stablecoin payment infrastructure for real-world deployment, reach out to our enterprise team → Get early access
","category":"6972427d13cb7d38455d0dc9","tags":["67dc12b25b56c7112bd83425","69a1dae302535baad9974a94","69a051bd35cea0492475bcd6","643666dc1039020df37aa5f6","643666dc1039023bc57aa5c0","643666dc10390215a17aa5d9","643666dc103902aeb67aa5ed"],"author":"643666dc103902adf37aaa31","published-date":"2026-02-27T00:00:00.000Z","alt-text":null,"meta-title":"How the Open Money Stack Makes Stablecoin Payments Production-Grade","meta-description":"Fiat access, wallets, cross-chain orchestration, and settlement in a single integrated stack. Here's how Polygon's Open Money Stack is built, layer by layer.","trending-featured-blog":false,"page-list":["643666dc10390247b27aa623","643666dc1039025dab7aa618","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc10390235387aa624","643666dc1039022cb07aa61a","643666dc10390226d47aa627","643666dc1039020b147aa628","643666dc103902b95c7aa616","643666dc10390289187aa61b","643666dc10390236ba7aa617","643666dc1039020fbb7aa622","6683ca5fbc467488db33a3e4","643666dc10390259397aa63c","643666dc1039024c197aa61f","643666dc10390244df7aa620","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc103902415e7aa621","643666dc103902b2527aa61d","643666dc1039025ae87aa63b","643666dc10390258577aa625"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"Unrolling the “Stack” in Polygon’s Open Money Stack","slug":"unrolling-the-stack-in-polygons-open-money-stack"}},{"id":"69a1db33004fcae72500b1ed","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2026-02-27T17:58:11.888Z","lastUpdated":"2026-02-27T17:58:11.888Z","createdOn":"2026-02-27T17:58:11.888Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"The right wallet architecture depends on what you're building, who you're serving, and where you operate. Here's how to decide","thumbnail-image":{"fileId":"69a1d9a81e825fb2f84c4589","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69a1d9a81e825fb2f84c4589_wallets.png","alt":null},"featured-image":{"fileId":"69a1d9a81e825fb2f84c4589","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69a1d9a81e825fb2f84c4589_wallets.png","alt":null},"blog-content":"Institutions and enterprises are increasingly turning to blockchain to solve pain points in modern payments and finance. But new technology comes with new questions, decisions, and trade offs that require careful consideration.
Before choosing a wallet solution, institutions must ask what they need a wallet to do, and for whom.
The answer changes depending on an institution’s goals. A wallet for internal treasury has very different requirements than a wallet built for customers or partners. Many teams need internal operational controls and external simple end-user experiences.
Most organizations default to custodial wallets, which feel simpler and safer than non-custodial, or user self-hosted wallets.
This makes intuitive sense: hand the complexity to a third party and the problem goes away.
But when you map the requirements, non-custodial smart contract wallets often deliver the same outcomes with fewer tradeoffs and a cleaner compliance posture than outsourcing complexity and custodianship to third-party software.
Polygon Labs recently acquired Sequence and is acquiring CoinMe, subject to regulatory approval.
Both operate on the same underlying settlement infrastructure and flexibility.
Deciding which approach to choose creates a requirements map that often looks like this:
In each case, there are infrastructure and outcome requirements—and deciding which type of wallet to build with should follow from core design mechanisms.
Custodial and non-custodial wallets represent two fundamentally different trust and operational models.
Understanding this distinction is key to choosing which infrastructure works for your payments use case.
A custodial wallet means a regulated third party manages private keys and assumes custody responsibility on behalf of the user. The user does not hold their own keys. The custodian does.
This model is the right fit when regulation specifically requires a licensed third party to hold keys on behalf of users. In certain jurisdictions and for certain financial products, this is a hard requirement. In such cases, a compliant custodial partner is the right path.
Custodial infrastructure can be a strong fit for enterprises managing assets internally. They simplify key management, centralize operational controls, and often make it easier to account for and report assets on balance sheets, including for AUM tracking and treasury oversight. For many institutions, that level of operational clarity and control is necessary. The tradeoff becomes one of structure: Custodial models introduce reliance on a third party. The institution delegates critical infrastructure, which can add operational layers and counterparty exposure that must be managed over time.
Modern non-custodial wallets, particularly smart contract wallets, represent a fundamentally different model. The user (whether a business or a consumer) retains control of their own wallet. No third party holds the keys. But critically, \"non-custodial\" no longer means \"complicated.\"
This is where the biggest misconception lives. Many enterprise buyers hear \"non-custodial\" and picture seed phrases, manual gas management, and a steep learning curve. Smart contract wallets have eliminated all of that.
What matters is understanding the two distinct use cases.
For treasury, internal fund management, and automated operations, smart contract wallets provide structured control without relying on an external custodian.
Here’s what they deliver for enterprise internal usage:
Flexible authentication. Multiple authorization methods. Businesses can implement multi-approval workflows and role-based permissions without managing private keys.
Programmatic controls. Businesses get the operational grip they need for treasury wallets, automated payouts, and partner settlements, while consumers get a clean, abstracted experience.
Built-in recovery. Secure recovery flows are embedded into the wallet logic itself. Reduces operational risk if credentials are lost or personnel change.
Full account abstraction. No gas management, no blockchain complexity. Internal teams interact with programmable accounts that behave like modern financial software.
For treasury teams, this means control without counterparty exposure and automation without operational fragility.
When the wallet is customer-facing, the priorities shift toward simplicity and UX, while preserving user ownership.
Here’s what smart contract wallets deliver externally:
Simple onboarding. Users sign in with email or social login. No seed phrases. No browser extensions. No crypto-native knowledge required.
Secure, user-friendly recovery. Account recovery is built into the wallet itself, not tacked on as an afterthought.
Abstracted blockchain complexity. Gas fees and any cross-chain logic are handled behind the scenes. Transactions feel like any other software.
Compliance advantages. In many jurisdictions, not holding custody of user funds significantly simplifies the regulatory overhead. The business avoids triggering custody-specific licensing requirements, reducing both cost and compliance surface area.
This combination of simplicity, safety, and compliance efficiency is why many organizations that start the conversation asking for custodial infrastructure end up choosing non-custodial smart contract wallets instead.
The most frequent pattern in enterprise wallet conversations goes something like this: a business comes to the table asking for custodial infrastructure. They've done initial research, they associate custodial with \"managed\" and \"simple,\" and they want someone else to handle the hard parts.
Then the requirements conversation happens.
One by one, every item on the requirements list gets checked by the non-custodial path.
And then the conversation shifts to what non-custodial uniquely adds: user sovereignty, reduced regulatory burden across markets, no single point of failure in custody, and programmable policies that give businesses necessary controls.
The story, again and again, is: \"We thought we needed to choose a custodial wallet. But non-custodial smart contract wallets delivered every outcome we were after, with a simpler compliance posture and fewer dependencies.\"
Polygon offers both custodial and non-custodial wallet architectures natively, giving enterprises the flexibility to serve partners and users across the full spectrum of regulatory and operational requirements.
On the compliance side, Polygon works through regulated partners with transparent risk frameworks.
On the settlement side, Polygon delivers programmable settlement rails with smart routing, automation, and fast finality. Deep liquidity and FX support across both wallet models.
And because both paths will run on the Open Money Stack infrastructure, enterprises can start with one model and expand as their needs, markets, or user base evolve.
Choosing between custodial and non-custodial comes down to three questions about your regulatory environment, your user experience goals, and your operational model.
Question 1: Does a specific regulation in your operating market require a licensed custodian to hold user keys?
If the answer is yes, custodial is the correct path. Polygon supports through platforms like CoinMe, which is being acquired by Polygon Labs, subject to regulatory approval.
If the answer is no, or if your compliance team confirms that non-custodial wallets satisfy regulatory requirements, continue to the next question.
Question 2: Do you need simple onboarding, recovery, and multi-auth access without exposing seed phrases or blockchain complexity?
If yes, a non-custodial smart contract wallet like Polygon wallet delivers all of this out of the box, with no custody tradeoffs.
Question 3: Do you need programmatic treasury controls, abstracted gas, and the ability to move stablecoins at scale with compliance confidence?
If yes, this is exactly what Polygon smart wallets are built for. Programmatic controls, full account abstraction, and enterprise-grade settlement infrastructure, all without taking custody of user funds.
And if your business needs both models (custodial in some markets, non-custodial in others), Polygon supports the full spectrum from a single infrastructure layer.
The right wallet architecture matches your infrastructure to the operational, compliance, and user experience outcomes your business requires.
Polygon gives you the flexibility and the enterprise-grade foundation to do exactly that. Whether you need custodial, non-custodial, or both, the infrastructure is ready.
Talk to our enterprise partnerships team → Get early access to the Open Money Stack today.
","category":"6972427d13cb7d38455d0dc9","tags":["67dc12b25b56c7112bd83425","69a1dae302535baad9974a94","643666dc10390215a17aa5d9"],"author":null,"published-date":"2026-02-27T00:00:00.000Z","alt-text":null,"meta-title":"Choosing the Right Wallet Architecture for Enterprise Payments","meta-description":"Custodial or non-custodial? Discover how enterprises can balance compliance, treasury controls, and seamless UX using smart contract wallets or licensed custodial solutions on Polygon.","trending-featured-blog":true,"page-list":["643666dc10390247b27aa623","643666dc1039025dab7aa618","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc10390235387aa624","643666dc1039022cb07aa61a","643666dc1039020b147aa628","643666dc103902b95c7aa616","643666dc10390289187aa61b","643666dc1039020fbb7aa622","6683ca5fbc467488db33a3e4","643666dc10390259397aa63c","643666dc1039024c197aa61f","643666dc10390244df7aa620","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc10390226d47aa627","643666dc103902b2527aa61d","643666dc1039025ae87aa63b","643666dc10390258577aa625","643666dc10390236ba7aa617"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"Do You Actually Need a Custodial Wallet? A Decision Guide for Enterprise Payments","slug":"do-you-actually-need-a-custodial-wallet-a-decision-guide-for-enterprise-payments"}},{"id":"69a04f197cd231f73b2252a3","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2026-02-26T14:04:21.845Z","lastUpdated":"2026-02-26T14:04:21.845Z","createdOn":"2026-02-26T13:48:09.681Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"JPYC payment flows, dominant wallet custody, and fast finality position Polygon as Japan’s stablecoin settlement layer","thumbnail-image":{"fileId":"69a04f1393460fd20f8ea736","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69a04f1393460fd20f8ea736_JPYC.png","alt":null},"featured-image":{"fileId":"69a04f1393460fd20f8ea736","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69a04f1393460fd20f8ea736_JPYC.png","alt":null},"blog-content":"Japan has become a leader in local-currency stablecoin adoption, moving beyond theory and into real usage. JPYC, the first stablecoin for the Japanese yen, is an increasing part of this story.
More people are using JPYC to pay for more things. The reason? Cheaper remittances. Faster local commerce operating without banking-hour constraints or unpredictable fees.
And it’s all happening on Polygon.
Onchain data shows Polygon leading JPYC activity, with more volume than all other chains combined.
JPYC is a yen-denominated stablecoin with a real ecosystem behind it: wallets, merchant payments, lending markets, card top-ups.
— Polygon | POL (@0xPolygon) February 26, 2026
A growing list of partners building genuinely useful things on top of it.
Most of it runs on Polygon, processing more $JPYC volume than every other… pic.twitter.com/N04WwP0Iac
When real people begin to feel the upside of stablecoins, when money actually begins to work for them, then adoption accelerates.
You don’t have to speculate about JPYC usage. The product flows are live. Can someone complete a payment action without learning new behavior?
In this case, the answer is yes.
You can also @useTria to spend JPYC on Polygon across Japan
— Polygon | POL (@0xPolygon) February 26, 2026
> Top up a Tria card in JPYC
> Convert tokens to JPYC
> Or send JPYC directly to a contact
One app. Multiple use cases. The conversion and routing just work because the settlement layer is consistent. pic.twitter.com/mZWZH920eA
Those are everyday actions. They are also the actions that define whether a stablecoin is functioning as money.
Among all JPYC holders, 84% use HashPort Wallet.
If you’re a fintech PM, you’re probably already mapping this to your own backlog: card top ups, wallet transfers, internal FX, predictable settlement timing, reduced exception handling.
That’s the point.
When local currency starts moving onchain, the rails get judged like payments infrastructure, because that is what they are becoming.
Polygon’s job in this picture is not to become the settlement network that stays reliable when the product stops being a demo.
Myna Wallet and Digital Garage have built an easy-to-use UI that lets customers pay in real stores with JPYC on Polygon, today.
JPYC is spendable for everyday purchases.@MynaWallet + @DigitalGarage have built payment UIs that let you pay with JPYC on Polygon, in stores, today.
— Polygon | POL (@0xPolygon) February 26, 2026
The user experience looks like any other payment app, while settlement happens onchain.
See it in action at a coffee shop in… pic.twitter.com/BXA8Acc2iq
Polygon has been tuning the network for exactly these constraints: faster finality and consistent performance under load. Polygon’s recent upgrades brought fast finality to around five seconds in a real flow.
That’s the kind of speed institutions care about, because it reduces ambiguity in:
If you’re moving domestic value, you don’t want to explain probabilistic settlement to your compliance team. You want boring.
Payments are one side of money. The other side is what happens to balances between transactions.
JPYC lending markets are now live on Morpho, curated by PAO TECH Labs alongside Steakhouse Financial. That brings a familiar institutional pattern onchain: structured curation and risk management around how liquidity is deployed.
The details matter here because they show intent. Designed and managed liquidity that can support real usage over time.
If you are a treasury team holding yen-denominated balances, or a fintech managing float, this is the difference between money that sits and money that can be deployed without leaving the onchain environment.
The Open Money Stack exists to make stablecoin payments easy to plug into without changing existing financial flows. A single, vertically integrated stack for end-to-end money movement.
Traditionally, moving money onchain meant stitching together wallets, on/off-ramps, compliance, and settlement across multiple vendors.
The Open Money Stack packages that into a single integration. In production, these layers work together.
Polygon’s view is that money movement needs to feel predictable and always-on, across currencies and endpoints, without stitching together a fragile vendor chain. That’s the core design goal of the Open Money Stack.
JPYC on Polygon is a clean example of what this looks like when it’s working:
That is how you get from onchain as an idea to onchain as infrastructure.
If you operate in Japan, or serve Japanese users, you already deal with the practical constraints of domestic payments.
Local currency settlement determines how your product behaves, how your users perceive it, and how your internal teams support it. What we’re seeing with JPYC is a market signal that’s easy to miss if you only look at global stablecoin headlines.
A local-currency stablecoin is getting real usage, concentrated on Polygon.
Ready to integrate with the Open Money Stack? Get in touch today → Early access now
","category":"6972427d13cb7d38455d0dc9","tags":["69a051bd35cea0492475bcd6","67dc12b25b56c7112bd83425","643666dc10390215a17aa5d9","643666dc1039020df37aa5f6","643666dc1039021cda7aa5fa"],"author":"643666dc103902adf37aaa31","published-date":"2026-02-26T00:00:00.000Z","alt-text":null,"meta-title":"JPYC on Polygon: How Japan's Yen Stablecoin Is Powering Real Payments","meta-description":"Japan's yen stablecoin JPYC is driving real commerce on Polygon, from buying coffee to lending markets. See why fintech and institutional teams are taking notice","trending-featured-blog":false,"page-list":["643666dc10390226d47aa627","643666dc10390247b27aa623","643666dc1039025dab7aa618","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc10390235387aa624","643666dc1039022cb07aa61a"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"Onchain Yen Used for Real Payments: JPYC Is Scaling on Polygon","slug":"onchain-yen-used-for-real-payments-jpyc-is-scaling-on-polygon"}},{"id":"699f40abf9a722034fa0d026","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2026-02-25T18:34:19.477Z","lastUpdated":"2026-02-25T18:34:19.477Z","createdOn":"2026-02-25T18:34:19.477Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"Regulated Brazilian real stablecoin joins Polygon’s payments-grade infrastructure as global liquidity converges around local currencies","thumbnail-image":{"fileId":"699f40a0f9a722034fa0ca1b","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/699f40a0f9a722034fa0ca1b_BBRL%20(3).png","alt":null},"featured-image":{"fileId":"699f40a0f9a722034fa0ca1b","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/699f40a0f9a722034fa0ca1b_BBRL%20(3).png","alt":null},"blog-content":"Grupo Braza, Brazil’s largest foreign exchange bank, is expanding its Brazilian real–backed stablecoin, BBRL, to Polygon.
BBRL is fully backed by Brazilian reais, audited, and issued by an institution regulated by the Central Bank of Brazil. Now it operates on one of the most active stablecoin settlement networks in the world.
JUST IN: Brazil's largest foreign exchange bank is expanding BBRL, their Brazilian real stablecoin, to Polygon.
— Polygon | POL (@0xPolygon) February 25, 2026
For users: near-instant transfers, low fees, and access to the most active stablecoin network
For @GrupoBraza: a path to connect the Brazilian real to global markets,… https://t.co/aAjM9sRVD6
For users, this means near-instant transfers and low fees.
For Grupo Braza, it creates a direct bridge between the Brazilian real and global onchain liquidity.
For institutions, it marks another step toward a structurally different financial system, with regulated local currency liquidity plugging directly into global onchain money rails.
USD stablecoins still dominate global crypto markets. But beneath that dominance, local-currency stablecoins are reaching real payment scale.
And increasingly, this activity is concentrating on Polygon.
Polygon now processes a leading share of non-USD stablecoin transfers across major blockchains; at the end of 2025, the chain accounted for 43% of total activity in this category.
Multiple local-currency stablecoins on Polygon have each crossed multi-billion-dollar lifetime transfer volumes, including AUD-, SGD-, COP-, and BRL-backed assets. Brazilian real stablecoins alone represent one of the most active onchain local-currency clusters globally.
These flows reflect real payment corridors:
Local currencies are becoming liquid, discoverable, and interoperable on shared infrastructure.
BBRL joining Polygon strengthens that structural shift.
Today, a Brazilian company paying a supplier abroad still navigates:
The problem is legacy rails.
Stablecoins remove the correspondent chain entirely.
When BBRL moves on Polygon:
Polygon has upgraded its core infrastructure specifically for payments use cases, increasing throughput, reducing finality time, and eliminating reorg risk
This is infrastructure designed for financial flows, not trading spikes.
The Open Money Stack is Polygon’s in-progress, vertically integrated approach to global money movement.
It connects:
BBRL now plugs directly into that stack.
A Brazilian business can originate value in BRL from a bank account. That value becomes BBRL onchain. It can:
Critically, the sender does not need to know what form of stablecoin the recipient prefers. The Open Money Stack decouples the currency sent from the currency received.
That is foundational to open money.
There is a broader shift underway.
Historically, global commerce has routed through USD rails by default. That model concentrates liquidity but also concentrates dependency.
Local-currency stablecoins offer a different path. And Polygon is leading the way.
BBRL expanding to Polygon strengthens this pattern.
Brazil is one of the largest and most sophisticated financial markets in Latin America.
When the country’s largest FX bank expands a regulated real-backed stablecoin onto production blockchain rails, it signals institutional conviction.
Across Latin America, stablecoins are already being used for real economic activity, not speculation.
Brazil is now a core node in that emerging liquidity network.
Local stablecoins only scale if the underlying network behaves like financial infrastructure.
Which is why Polygon continues to upgrade in direct response to real demand.
In just the past few weeks, Polygon increased blockspace by 83%, raising the gas limit from 60M to 110M and pushing peak throughput to 2,600+ transactions per second.
That is enough capacity for over 224 million transactions in a single day.
This infrastructure is live and running under sustained, real-world load.
Today, Polygon is:
When a family receives a remittance through Avenia, when a supplier is paid via Tazapay, when Revolut users send stablecoins across borders, those transactions are settling on Polygon.
This is what production payment infrastructure looks like.
Liquidity follows usability. Polygon’s low fees and predictable performance have made it attractive. But behavior tells the deeper story.
Regional corridors that were historically siloed, like LATAM, Southeast Asia, Europe, and Australia, now operate on shared infrastructure without shared intermediaries.
Local currencies are discovering each other. BBRL joins a growing list of non-USD stablecoins. Together, they’re providing the deep liquidity to bring the Open Money Stack to life, where:
BBRL is now part of that network. And global money movement keeps expanding.
","category":"6972427d13cb7d38455d0dc9","tags":["67dc12b25b56c7112bd83425","643666dc1039020df37aa5f6","643666dc10390215a17aa5d9","643666dc10390291827aa5c1"],"author":"643666dc103902adf37aaa31","published-date":"2026-02-25T00:00:00.000Z","alt-text":null,"meta-title":"Brazil Real Stablecoin BBRL Launches on Polygon","meta-description":"Brazil’s largest FX bank expands its real-backed stablecoin BBRL to Polygon, connecting regulated BRL liquidity to global payments","trending-featured-blog":false,"page-list":null,"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"Brazil’s Largest FX Bank Expands Real-Backed Stablecoin BBRL to Polygon","slug":"brazils-largest-fx-bank-expands-real-backed-stablecoin-bbrl-to-polygon"}},{"id":"699de66f21ba3a5da4f47b7c","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2026-02-24T18:01:39.281Z","lastUpdated":"2026-02-24T18:01:39.281Z","createdOn":"2026-02-24T17:57:03.936Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"Polygon’s capacity increased by 83%; the network is being methodically upgraded for enterprise-grade payment flows","thumbnail-image":{"fileId":"699de5f66450794cfac25a6d","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/699de5f66450794cfac25a6d_Blog_Feb24%20(1)%20(1).png","alt":null},"featured-image":{"fileId":"699de5f66450794cfac25a6d","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/699de5f66450794cfac25a6d_Blog_Feb24%20(1)%20(1).png","alt":null},"blog-content":"tl;dr
Right now, a business in Singapore is settling a payment to a supplier in Brazil through Tazapay, in one of 173+ countries covered. A family in Mexico is receiving a remittance from the US through Avenia, money moving across a corridor that legacy rails have underserved for decades. A man in Europe is sending stablecoins across borders on Revolut without thinking about the infrastructure underneath.
These transactions are all settling on Polygon.
With real volume and growing, demand for usage has driven Polygon to keep upgrading capacity.
In the past few weeks alone, the chain has been upgraded six times in direct response to real demand, raising the gas limit from 60M to 110M.
Now up to 110M gas, bringing max TPS to 2,600+
— Polygon | POL (@0xPolygon) February 24, 2026
At this rate, Polygon can handle around 224M transactions per day. That's roughly four days of lunch purchased by U.S. workers, in a single day. If you're keeping track. https://t.co/22VgeELY9w pic.twitter.com/HE5tYJMM8z
That's an 83% increase in capacity, bringing peak throughput to 2,600+ TPS.
Enough for 224M transactions in a single day.
Compare that to the alternative: a fintech that hasn't made this shift is still routing that São Paulo to Lagos payment through a correspondent banking chain designed before most of the internet existed. The app looks modern, but the rails beneath aren’t. Settlement takes three days, fees stack at every hop, and capital sits in transit.
The gap in financial infrastructure is real. And the fintechs closing it now are building a structural advantage that compounds.
The chains that look the same on paper start to look very different when real money is on the line.
Polygon's blocks are consistently running at high utilization. The network is processing stablecoins, payments, real-world assets, and high-volume onchain activity simultaneously, in production. The most recent gas limit increase, from 60M to 110M, brings peak capacity to 2,600+ TPS.
For a fintech or enterprise evaluating settlement infrastructure, a network operating under real load and continuing to upgrade to meet it is a more reliable indicator of production readiness than a benchmark run in ideal conditions.
Polygon settles in under two seconds, enabling near-instant access to capital. The same supplier in Lagos can act on funds the moment they arrive, without holds or ambiguity.
Certainty changes their business model.
For enterprises, it means faster payouts to partners and cleaner reconciliation.
Gas fees on Polygon often run $0.002 or less per transaction, even at current all-time high demand. That predictability is what makes margin modeling possible and competitive pricing sustainable.
For enterprises processing high volumes, knowing what settlement costs before a transaction is a requirement for building a sustainable business.
Polygon has moved $2.3T in value at 99.99% uptime.
For enterprises, downtime isn't a technical inconvenience. It could mean a missed payroll or a failed settlement.
Polygon is the best chain for payments solutions and applications to move money. Currently, it is #1 for USDC transfer volume across all chains and #1 for emerging stablecoins in APAC.
Polymarket, a widely adopted application built on Polygon, hit all-time highs driven by the Super Bowl and its five-minute markets. This translates into concentrated, high-frequency, real-value activity. It’s the kind of activity that reveals whether a payments chain actually holds under pressure.
For enterprises, a deep, consistent track record matters. Choosing infrastructure that's already proven under sustained, real-world load removes one of the biggest unknowns from a production deployment.
Gas limit increases are just one component of what makes Polygon the go-to settlement layer for enterprises moving money around the world. The network is constantly evolving and upgrading because real demand requires it. Every dimension that matters for production payment flows is being actively improved.
That's what separates a chain with a payments narrative from a chain that's actually being built for payments; it’s what separates a payments chain that’s actively used and already in production and a chain that’s only in testnet.
As more fintechs, payment processors, and institutions move their settlement flows onchain, Polygon will keep evolving to meet them.
The Polygon Open Money Stack gives fintechs and enterprises regulated on/off-ramps, enterprise wallet infrastructure, and blockchain settlement in a single integrated platform. If you're evaluating infrastructure for high-volume payment flows, reach out to our team → Early access
","category":"6972427d13cb7d38455d0dc9","tags":["67dc12b25b56c7112bd83425","643666dc10390215a17aa5d9","652f43a8e647163b9d2f8dc1","643666dc1039020df37aa5f6"],"author":"643666dc103902adf37aaa31","published-date":"2026-02-24T00:00:00.000Z","alt-text":null,"meta-title":"Polygon Upgrades Network Capacity 83% to Meet Enterprise Payment Demand","meta-description":"Polygon has increased blockspace by 83%, hitting 2,600+ TPS and 10% gigagas speed. Now #1 for USDC transfer volume, discover why fintechs and enterprises are choosing Polygon for high-volume payment infrastructure.","trending-featured-blog":false,"page-list":["643666dc10390226d47aa627","643666dc10390247b27aa623","643666dc1039025dab7aa618","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc10390235387aa624","643666dc1039022cb07aa61a","643666dc1039020b147aa628","643666dc103902b95c7aa616","643666dc10390289187aa61b","643666dc1039020fbb7aa622","643666dc10390236ba7aa617","643666dc10390259397aa63c","643666dc1039024c197aa61f","643666dc10390244df7aa620","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc103902b2527aa61d","6683ca5fbc467488db33a3e4","643666dc1039025ae87aa63b","643666dc10390258577aa625"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"More Transactions, More Capacity: Polygon Is Constantly Upgrading to Keep Up With Demand ","slug":"more-transactions-more-capacity-polygon-is-constantly-upgrading-to-keep-up-with-demand"}},{"id":"699cbb41a9546b9b4d69dc1f","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2026-02-23T20:40:33.332Z","lastUpdated":"2026-02-23T20:40:33.332Z","createdOn":"2026-02-23T20:40:33.332Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"Latest move lets Trust Wallet users convert cash into supported digital assets at Coinme-powered retail locations across the U.S.","thumbnail-image":{"fileId":"699cbac0e45c0489bc294741","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/699cbac0e45c0489bc294741_Coinme_Trust%20(1).png","alt":null},"featured-image":{"fileId":"699cbac0e45c0489bc294741","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/699cbac0e45c0489bc294741_Coinme_Trust%20(1).png","alt":null},"blog-content":"Trust Wallet now lets users convert cash to crypto at more than 15,000 retail locations nationwide, powered by Coinme.
Deposit cash, receive crypto, no bank account required.
Coinme, which is being acquired by Polygon Labs, operates under money transmitter licenses across 48 U.S. states and supports more than one million users. Its infrastructure connects physical cash, debit rails, and digital assets under established regulatory frameworks.
Coinme is joining Polygon Labs, subject to regulatory approval, as a core part of the Open Money Stack, which brings regulated fiat access to a vertically integrated stack, alongside wallet infrastructure and onchain settlement.
For payment processors and fintech infrastructure teams, the Open Money Stack closes a long-standing operational gap between traditional money and onchain money.
Trust Wallet Cash Deposit fills that gap with the help of Coinme, enabling easy access to digital assets.
For millions of Americans, cash is still the primary way to earn and store value. Yet participating in digital finance has traditionally required a bank account, a debit card, or a custodial intermediary.
Trust Wallet’s Cash Deposits feature changes that dynamic.
Users can now:
No bank account required. No custodial balance held on their behalf. No multi-day settlement.
That combination of speed, retail access, and self-custody at national scale has not previously existed inside a mainstream wallet.
From an infrastructure perspective, this is a meaningful distribution milestone for the Open Money Stack. Coinme provides the licensed fiat boundary. Trust Wallet provides the user distribution.
Together, they turn everyday retail stores into compliant onramps to digital assets.
This move expands stablecoin and digital asset access beyond crypto-native users.
It reaches:
The practical impact is simple: Cash can now move onto digital rails quickly and predictably.
Once onchain, that value can be:
For payment processors and fintech teams watching crypto and stablecoin adoption, this is the missing distribution layer.
Stablecoin infrastructure has matured on the settlement side. What accelerates adoption is accessible, compliant entry points.
Trust Wallet + Coinme provides one of the largest retail entry points in the U.S.
And as Coinme joins Polygon Labs, that retail access becomes embedded inside the Open Money Stack, strengthening its vertically integrated approach to regulated stablecoin payments.
Polygon Labs has signed definitive agreements to acquire Coinme in order to complete the Open Money Stack.
The Open Money Stack is designed as a vertically integrated infrastructure layer combining:
The goal is to provide institutions, fintechs, merchants, and payout providers with a single integration surface for regulated stablecoin payments.
Trust Wallet’s integration with Coinme is an example of how that architecture functions in practice.
Consider a simple payment flow.
A sender converts cash to USDC through a licensed retail location. The funds are delivered into a self-custody wallet. Settlement occurs in seconds.
If required, the recipient converts stablecoins to local fiat through regulated off-ramp infrastructure.
Compared to traditional correspondent flows, this architecture:
For treasury teams, faster settlement improves capital efficiency.
For payout platforms, predictable fees improve margin modeling.
For recipients, funds arrive with clarity and finality.
Stablecoins have transitioned from speculative instruments to settlement infrastructure.
Major platforms including Stripe, Revolut, and Flutterwave already use Polygon for onchain money movement.
Enterprise adoption is driven by settlement speed, cost efficiency, and programmable capital flows.
The missing piece has been regulated access that connects traditional financial systems to onchain rails without fragmentation.
Trust Wallet + Coinme marks a visible step in that direction, and as part of the Open Money Stack, that convergence is being formalized into infrastructure.
If your organization moves money at scale, the evaluation window for onchain settlement is no longer theoretical.
","category":"6972427d13cb7d38455d0dc9","tags":["643666dc10390230637aa5fc","643666dc1039021cda7aa5fa","67dc12b25b56c7112bd83425","643666dc10390215a17aa5d9","643666dc10390291827aa5c1"],"author":"643666dc103902adf37aaa31","published-date":"2026-02-23T00:00:00.000Z","alt-text":null,"meta-title":"Trust Wallet Enables Coinme Cash Deposits at 15,000 U.S. Stores","meta-description":"Trust Wallet enables cash-to-crypto deposits at 15,000+ U.S. retail locations via Coinme, expanding regulated stablecoin access through the Open Money Stack.","trending-featured-blog":true,"page-list":["643666dc10390236ba7aa617","643666dc10390226d47aa627","643666dc10390247b27aa623","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc10390235387aa624","643666dc1039022cb07aa61a","643666dc1039020b147aa628","643666dc103902b95c7aa616","643666dc10390289187aa61b","643666dc1039020fbb7aa622","6683ca5fbc467488db33a3e4","643666dc1039025dab7aa618","643666dc10390259397aa63c","643666dc10390244df7aa620","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc103902b2527aa61d","643666dc1039025ae87aa63b","643666dc10390258577aa625","643666dc1039024c197aa61f"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"Trust Wallet Integrates Coinme Across 15,000 U.S. Retail Locations in Big Moment of Adoption for Open Money Stack","slug":"trust-wallet-integrates-coinme-across-15-000-u-s-retail-locations-in-big-moment-of-adoption-for-open-money-stack"}},{"id":"6995e96aee8ae15982c4475a","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2026-02-19T11:17:38.545Z","lastUpdated":"2026-02-18T16:40:26.786Z","createdOn":"2026-02-18T16:31:38.041Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"Production-ready wallets for enterprises to scale","thumbnail-image":{"fileId":"6995e91bcb79c45fc0dac26f","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/6995e91bcb79c45fc0dac26f_SequenceBlog.png","alt":null},"featured-image":{"fileId":"6995e91bcb79c45fc0dac26f","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/6995e91bcb79c45fc0dac26f_SequenceBlog.png","alt":null},"blog-content":"Wallet infrastructure is one of the biggest blockers for institutions to ship stablecoin and onchain payment products. Production wallets must handle secure authentication, recovery, permissions, and compliance friendly controls without turning every user action into a signing workflow.
Sequence solves this by delivering a non-custodial smart wallet solution designed for ecosystems and apps, with passkeys, social auth, timed recovery keys, and sandboxed permissions through Smart Sessions.
With the recent acquisition of Sequence by Polygon Labs, there’s now a robust, enterprise-grade wallet offering, in conjunction with widely-adopted, highly-efficient blockchain rails. To enable seamless end-to-end money movement with stablecoins, from offchain systems to onchain settlement, and back again, Polygon is building a single, integrated API in the Open Money Stack.
Together, Sequence and Polygon reduce wallet integration risk and make it simple to launch payments experiences that feel familiar to end users and operations teams.
Stablecoins settle instantly on blockchain rails. But most onchain accounts are not designed for production payments. In practice, wallets are used as if they were bank accounts. They hold balances, authorize spending, recover access, and define who can do what.
Traditional wallets were built for asset custody, not for operational money movement.
For payments teams, this creates three hard blockers:
1. Authority is all-or-nothing: A single private key controls everything. Any attempt to reduce friction, automate actions, or delegate access increases risk without clear boundaries.
2. Recovery is unsafe or unusable: Simple recovery paths create silent takeover risk. Strong recovery processes create user friction, support tickets, and failed transactions.
3. Operations teams can’t reason about control: There is no clear way to explain or audit who can move funds, under what conditions, for how long, and with what limits. That makes compliance, security review, and incident response extremely difficult.
The common custodial versus non-custodial framing does not solve this. Enterprises do not care about ideology. They care about predictable control, recoverability, and security properties that can be explained and verified.
In practice, wallet infrastructure becomes the gating factor that prevents payments products from moving from pilot to production.
Sequence Ecosystem Wallet is a non-custodial smart wallet built for chains, ecosystems, and apps. It combines passkeys, social auth, timed recovery keys, and sandboxed permissions to deliver payments-grade security with minimal friction.
Sequence Ecosystem Wallet is designed to solve the requirements that matter most for real-world payments and financial experiences.
1) One address per user across apps and chains: Sequence reduces account fragmentation by giving each user a single, consistent wallet address across apps and chains. This eliminates a common operational issue where users end up with multiple accounts, stranded balances, and inconsistent inventory depending on where they logged in.
2) Smart Sessions with sandboxed, per-app permissions: Smart Sessions isolate permissions at the application level, allowing each app to operate within clearly defined boundaries. The result is fewer signatures and fewer disruptive prompts, without granting an app broad or opaque authority. Instead of a series of unclear approvals, users approve a session with explicit limits. This gives product teams a practical way to implement policies like spend limits, timeouts, and contract-scoped interactions.
3) Built-in recovery and enterprise-grade security controls: Timed recovery keys provide time-based recovery, which matters for payments experiences where silent takeover is unacceptable. Sequence also emphasizes hardware isolated signing and publicly verifiable attestations for deployments, which is aligned with what enterprise security teams expect when they evaluate production-grade infrastructure.
For developers, Sequence reduces integration surface area by providing SDKs across Web, Mobile, Unity, and Unreal, and by handling core flows like auth, session management, and transactions as part of the same system. For ecosystems, Sequence supports branded wallets on the ecosystem’s domain, hosted or fully custom, with admin controls for chains, branding, session policies, and app or domain restrictions. Additionally, ecosystems powered by Sequence wallet solutions can integrate any app in minutes, not months.
This is why Sequence provides wallet infrastructure with a clear model for identity, permissions, security, and operations.
Wallet abstraction only works if the settlement layer is fast, cheap, and predictable.
Payments products depend on consistent behavior. If transaction confirmation is slow, fees are unpredictable, or finality is uncertain, the wallet experience collapses into retries, customer support, and conservative limits that break product UX.
Polygon is built for this kind of workload. Low transaction costs and fast finality make it feasible to support account-like interactions, frequent micro actions, and operational patterns like retries and batched execution without turning each event into a cost decision. For Sequence, Polygon’s reliability makes Smart Sessions and cross-chain behavior feel like a product feature.
Polygon’s role here is to be boring infrastructure simply works.
The combined effect of Sequence and Polygon is operational and product driven.
These are the conditions required to run payments in production.
For fintechs launching global wallets: Sequence turns “wallet” into an account layer that can support real onboarding and recovery patterns. That helps teams ship stablecoin custody and spending experiences without forcing end users to learn crypto behaviors.
For payment platforms embedding stablecoins: Smart Sessions and sandboxed permissions enable low friction flows while preserving non-custodial guarantees. This is a practical way to offer stablecoin rails without asking users to approve every step of a payment or payout flow.
For enterprises that want blockchain without exposing users to it: Sequence provides a wallet system that can be branded, governed, and operated with policies that resemble enterprise controls. That is a prerequisite for using blockchain settlement as infrastructure rather than as a product identity.
This ties directly into the Open Money Stack. Wallets are the user facing layer that makes stablecoin settlement usable. If wallets behave like consumer finance accounts, the rest of the stack can finally deliver end to end money movement.
Wallet abstraction is now table stakes. Users will not tolerate seed phrases, constant approvals, or fragmented identities across apps and chains.
At the same time, payments infrastructure is converging toward fewer, more reliable systems. The market is moving away from stitching together point solutions and toward integrated primitives that reduce operational risk.
Sequence on Polygon represents a structural shift because it replaces wallet assembly with a coherent model for identity, permissions, recovery, and security, running on predictable settlement rails. For teams building payments, that is the difference between a wallet being a blocker and a wallet being enterprise-grade infrastructure.
","category":"6972427d13cb7d38455d0dc9","tags":["67dc12b25b56c7112bd83425","643666dc1039023bc57aa5c0"],"author":"643666dc103902adf37aaa31","published-date":"2026-02-18T00:00:00.000Z","alt-text":null,"meta-title":"How Sequence Makes Non-Custodial Smart Wallets Practical for Production Payments","meta-description":"Sequence delivers a non-custodial smart wallet solution designed for ecosystems and apps, with passkeys, social auth, timed recovery keys, and sandboxed permissions through Smart Sessions.","trending-featured-blog":false,"page-list":["643666dc10390236ba7aa617","643666dc1039025dab7aa618","643666dc103902b95c7aa616","643666dc1039020fbb7aa622","643666dc103902560a7aa61c"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"How Sequence Makes Non-Custodial Smart Wallets Practical for Production Payments","slug":"how-sequence-makes-non-custodial-smart-wallets-practical-for-production-payments"}},{"id":"6980bb9d87658ae7ec960388","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2026-02-02T14:58:37.194Z","lastUpdated":"2026-02-02T14:58:37.194Z","createdOn":"2026-02-02T14:58:37.194Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"Coinme offers regulated, blockchain-based infrastructure that connects stablecoins to existing financial systems with the Open Money Stack","thumbnail-image":{"fileId":"6980badd87658ae7ec957cae","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/6980badd87658ae7ec957cae_coinme%20case%20study.png","alt":null},"featured-image":{"fileId":"6980badd87658ae7ec957cae","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/6980badd87658ae7ec957cae_coinme%20case%20study.png","alt":null},"blog-content":"Stablecoins already settle in seconds. Banks, cards, and cash still take time.
The “last mile” between stablecoins and fiat is why most stablecoin payment projects stall before they ever reach production.
Polygon Labs is acquiring Coinme to close that gap.
Polygon is building the Open Money Stack, a unified, end-to-end payments infrastructure that enables institutions to move money seamlessly between traditional financial systems and onchain settlement, without rebuilding their systems. The Open Money Stack will bundle everything into a single API: regulated access, wallets, orchestration, compliance, and blockchain rails. The goal is simple: make stablecoin payments work in the real world.
Coinme will be a critical part of the stack. It already connects bank accounts, cards, and physical cash to onchain assets through regulated, compliant on- and off-ramps. That last-mile infrastructure will plug directly into the Open Money Stack’s global rails.
The result is simple: institutions and enterprises can move money from bank accounts into stablecoins, settle instantly onchain, and return funds to the real world, all in a single API, built for scale and compliance from day one.
Stablecoins have proven themselves as a settlement layer. Billions of dollars move onchain every day, globally, instantly, and at low cost.
What breaks is everything around them.
Getting money into and out of stablecoins still means dealing with fragmented banking rails, card networks, cash access, and varying compliance regimes. For institutions, that translates into:
The result is a paradox: money can settle instantly onchain, but institutions can’t deploy it end to end.
Coinme is a step toward fixing this.
Polygon is acquiring Coinme to bring regulated, compliant fiat on- and off-ramps directly into the Open Money Stack, so stablecoin payments can finally run bank → stablecoin → bank (or cash) without friction.
As a licensed money services business operating in 48 U.S. states and across the globe, Coinme provides the compliant fiat on- and off-ramps that have been the missing piece in onchain payments. It ensures money can enter or exit the blockchain in a compliant way, whether through bank transfers, debit cards, or physical cash locations.
With Coinme, institutions can move value:
This turns stablecoins into a powerful settlement primitive deployable into payments systems.
Over nearly a decade, Coinme obtained money transmitter licenses nationwide and launched the country’s first licensed Bitcoin ATMs; it was the second in the U.S. after Coinbase to receive money transmitter licenses. It is one of the U.S.’s largest crypto-fiat exchange infrastructures, built on a compliance-first approach.
Coinme closes the gap between digital settlement and real-world money.
A last mile solution brings stablecoin connectivity to the real world, turning fragmented services into a unified platform for moving dollars onchain and off.
Until now, most institutions have been forced to treat stablecoins as partial solutions, or turn to complex, multi-party solution providers.
The last mile of compliance, fiat access, and distribution was always external and complex.
Coinme, in context of the Open Money Stack, changes that.
With regulated on- and off-ramps integrated directly within the Open Money Stack, institutions will be able to deploy stablecoins end to end. Money enters existing systems, settles instantly onchain, stays onchain to earn yield or power applications or circulate globally as payments or remittances, and exits cleanly when needed.
This is the difference between experimenting with stablecoins and running them as core payments infrastructure.
Polygon is building the Open Money Stack to make global money movement simple, reliable, and invisible. Coinme is a foundational piece of that stack.
Together, Polygon and Coinme bring stablecoin payments out of theory and into production, where banks, fintechs, and enterprises actually operate.
If you’re looking to deploy stablecoins as real payments infrastructure, not just as a crypto feature, the Open Money Stack is ready.
Early access is now open. Coinme is already running at scale.
","category":"6972427d13cb7d38455d0dc9","tags":["67dc12b25b56c7112bd83425","643666dc1039020df37aa5f6","643666dc1039023bc57aa5c0"],"author":"643666dc103902adf37aaa31","published-date":"2026-02-02T00:00:00.000Z","alt-text":null,"meta-title":"Coinme Closes “Last Mile” of Stablecoins with On- and Off-Ramps","meta-description":"Coinme connects bank accounts, cards, and physical cash to onchain assets through regulated, compliant on- and off-ramps.","trending-featured-blog":false,"page-list":["643666dc10390226d47aa627","643666dc10390247b27aa623","643666dc1039025dab7aa618","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc10390235387aa624","643666dc1039022cb07aa61a","643666dc1039020b147aa628","643666dc103902b95c7aa616","643666dc10390289187aa61b","6683ca5fbc467488db33a3e4","643666dc10390259397aa63c","643666dc1039020fbb7aa622","643666dc1039024c197aa61f","643666dc10390244df7aa620","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc103902b2527aa61d","643666dc1039025ae87aa63b","643666dc10390236ba7aa617","643666dc10390258577aa625"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"Coinme Closes “Last Mile” of Stablecoins with On- and Off-Ramps","slug":"coinme-closes-last-mile-of-stablecoins-with-on--and-off-ramps"}},{"id":"697242c8966393fc6878c764","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2026-01-22T15:31:20.677Z","lastUpdated":"2026-01-22T15:31:20.677Z","createdOn":"2026-01-22T15:31:20.677Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"An open, interoperable payments stack that works end to end, without locking anyone in","thumbnail-image":{"fileId":"69723c17303550ee9d55483b","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69723c17303550ee9d55483b_putting%20open%20in%20open%20money%20stack.png","alt":null},"featured-image":{"fileId":"69723c17303550ee9d55483b","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69723c17303550ee9d55483b_putting%20open%20in%20open%20money%20stack.png","alt":null},"blog-content":"tl;dr
Money already moves digitally, but it doesn’t move well.
When money crosses borders, it gets stuck in queues. Settlement is slow, fees are opaque, and reliability depends on closed intermediaries that were never designed for a global, real-time economy.
Stablecoins changed what money can be. Value can be digital and programmable. But on their own, stablecoins are not a payments system. Without easy integration that works for any institution or enterprise, money still doesn’t behave the way it should.
Polygon Labs is closing this gap.
With the acquisitions of Coinme and Sequence, Polygon accelerates the Open Money Stack: an open, vertically integrated stack of services and technologies designed to move money reliably from offchain systems to onchain settlement, and back again.
Vertical integration is how the system works end to end. Openness is how it scales across regions, ecosystems, and institutions.
The result is money that behaves like money, not infrastructure. Here’s what puts the open in the Open Money Stack.
[announcement video]
Open systems win because every component can be chosen without lock in: Routes, rails, and customer-facing UX. Openness preserves competition and keeps money interoperable across ecosystems.
But an open system alone doesn’t reduce complexity.
Historically, institutions were able to assemble a blockchain payments stack – though not one that was integrated. Multiple partners were required to address multiple needs. Compliant on- and off-ramps, wallet infrastructure, interoperability, and settlement for reliable, 24/7 money movement.
Every integration adds time, operational overhead, and long-term maintenance costs
The Open Money Stack is designed to solve this problem without closing the system.
It remains open to multiple chains, routes, and providers in a single vertically integrated solution. Integrate once, move money end to end, and still retain the freedom to choose components, add partners, or extend across ecosystems.
The Open Money Stack makes openness usable at scale.
In the Open Money Stack, open is modularity by default.
Institutions, fintechs, enterprises, and marketplaces are not locked into a single vendor, chain, or execution path. They can adopt the parts of the stack they need and ignore what they don’t. Components can be swapped out over time. It will be easy to integrate with existing financial infrastructure without rewriting an entire system.
The Open Money Stack is designed to reduce integration, but not constrain architectural choice.
In practice, here’s what that looks like:
Settlement does not depend on a single chain or framework. The Polygon Chain is optimized for payments, which will make it the most desirable chain for settlement in many cases, but any chain can be used for settlement, whether or not it is connected via Agglayer. Agglayer improves coordination and interoperability where it is used, but the Open Money Stack remains compatible with the broader multi-chain world as it exists today.
This is a system built for a world where liquidity, users, and applications span regions and networks, patchworked by different local payments methods, institutional standards, and on- and off-ramp.
The Open Money Stack will provide a coherent path from simple API access at the top of the stack to reliable blockchain settlement at the bottom.
That means integrating once and moving money end to end without building bespoke infrastructure or managing fragile dependencies between third parties.
Importantly, this does not require avoiding partners.
Open payments systems don’t eliminate third parties, but help ensure these are interchangeable.
The difference is that the system still works if one component changes.
Public blockchains succeeded because they were open.
But chains like Polygon Chain scaled due to the concerted effort of a group of people devoted to developing technology that made the chain succeed.
The Polygon Open Money Stack works by the same logic:
That’s what it takes to move all money onchain.
","category":"6972427d13cb7d38455d0dc9","tags":["67dc12b25b56c7112bd83425","643666dc1039023bc57aa5c0","643666dc10390215a17aa5d9","643666dc10390291827aa5c1","643666dc103902aeb67aa5ed"],"author":"643666dc103902adf37aaa31","published-date":"2026-01-22T00:00:00.000Z","alt-text":null,"meta-title":"Vertical, Integrated, Open: Why Polygon Is Building the Open Money Stack","meta-description":"The Open Money Stack is open and interoperable across chains, providers, and regions, avoiding vendor lock-in","trending-featured-blog":false,"page-list":null,"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"Vertical, Integrated, Open: Why Polygon Is Building the Open Money Stack","slug":"vertical-integrated-open-why-polygon-is-building-the-open-money-stack"}},{"id":"696f8a3d59aff6719a00538b","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2026-01-20T13:59:25.459Z","lastUpdated":"2026-01-20T13:59:25.459Z","createdOn":"2026-01-20T13:59:25.459Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"Toku brings compliant, enterprise-grade stablecoin payroll, turning one of the world’s largest financial flows into modern, internet-native infrastructure","thumbnail-image":{"fileId":"696f89fabb9df6b3a1ceed65","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/696f89fabb9df6b3a1ceed65_RZ_Announcement_v_01%20(0-00-08-03).jpg","alt":null},"featured-image":{"fileId":"696f89fabb9df6b3a1ceed65","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/696f89fabb9df6b3a1ceed65_RZ_Announcement_v_01%20(0-00-08-03).jpg","alt":null},"blog-content":"tl;dr
Payroll is one of the most universal financial flows in the world. It requires stability, compliance, and financial infrastructure to send compensation. But it’s a system still built on batch files and intermediaries.
Today, Toku, the compliance and employment platform processing more than $1 billion in annual token payroll volume, is deploying instant, compliant stablecoin payroll on Polygon.
By plugging directly into the systems companies already use, like ADP, Workday, UKG, Gusto, and more, Toku makes onchain payroll a drop-in upgrade that doesn’t require a workflow overhaul.
The result is payroll rebuilt on decentralized rails that settle near-instantly, operate reliably at global scale, and work in the real world, wherever teams are paid.
Companies don’t need to change their existing software stack. Payroll continues to run through the same systems teams already trust, while employees get paid with all the upside and none of the hassle that comes with cross-border banking.
Toku handles the complexity beneath the surface, like contracts, onboarding, tax withholding, statutory benefits, and local filings in each worker’s country of residence. That means companies don’t have to become experts in global compliance to pay people correctly.
For companies hiring internationally, Toku can also act as the Employer of Record (EOR), directly employing talent across jurisdictions and extending compliant stablecoin payroll to full-time employees worldwide. The result is global payroll that works the way modern businesses operate: fast, reliable, and built for a distributed workforce.
Stablecoin payroll on Polygon turns one of the most complex, failure-prone business processes into onchain infrastructure that works.
Companies can pay teams anywhere in the world with the same reliability as traditional payroll, without stitching together local banks, wire providers, or regional intermediaries. Payments arrive when they’re supposed to, removing uncertainty for both finance teams and employees.
Instead of absorbing international wire fees, FX spreads, and reconciliation overhead, enterprises move value on Polygon for fractions of a cent per transaction, even at global scale.
And compliance doesn’t become a new burden. Toku manages all the complex stuff without slowing down or taking on regulatory risk.
Polygon brings upgraded rails that make fast, reliable money movement possible at global scale.
Nearly half of all U.S. USDC transfers in the $100–$1,000 range already flow through Polygon, a signal that everyday financial activity is happening onchain. With sub-cent fees, some $3.3B stablecoin liquidity, and consistent performance, Polygon is the go-to network where enterprises are already tapping into the upside of blockchain.
As more businesses use the same underlying rails, the advantages compound. Payments move faster. Compliance workflows become repeatable. Cross-border operations start to feel less like navigating a maze of intermediaries and more like using the internet.
Toku joining a growing ecosystem of stablecoin issuers, payment processors, neobanks, and financial institutions reinforces a broader shift: Polygon is becoming the default infrastructure for global money movement.
","category":"643666dc103902d16a7aa5fe","tags":["67dc12b25b56c7112bd83425","643666dc1039021cda7aa5fa","643666dc1039023bc57aa5c0","643666dc10390215a17aa5d9"],"author":null,"published-date":"2026-01-20T00:00:00.000Z","alt-text":null,"meta-title":"Toku Launches Global Stablecoin Payroll on Polygon, with $1B in Annual Volume ","meta-description":"Toku, the compliance and employment platform processing more than $1 billion in annual token payroll volume, is deploying instant, compliant stablecoin payroll on Polygon","trending-featured-blog":false,"page-list":["643666dc10390236ba7aa617","643666dc10390226d47aa627","643666dc10390247b27aa623","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc10390235387aa624","643666dc1039022cb07aa61a","643666dc1039020b147aa628","643666dc103902b95c7aa616","643666dc10390289187aa61b","643666dc1039020fbb7aa622","6683ca5fbc467488db33a3e4","643666dc1039025dab7aa618","643666dc10390259397aa63c","643666dc1039024c197aa61f","643666dc10390244df7aa620","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc103902b2527aa61d","643666dc1039025ae87aa63b","643666dc10390258577aa625"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"Toku Launches Global Stablecoin Payroll on Polygon, with $1B in Annual Volume ","slug":"toku-launches-global-stablecoin-payroll-on-polygon-with-1b-in-annual-volume"}},{"id":"69664848dc0d233c281f7c6a","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2026-01-15T06:28:52.335Z","lastUpdated":"2026-01-14T10:46:13.283Z","createdOn":"2026-01-13T13:27:36.267Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"With this move, Polygon Labs adds licensed fiat on- and off-ramps, enterprise wallet infrastructure, and cross-chain payment orchestration, bringing licensed stablecoin solutions to institutions, fintechs, and enterprises","thumbnail-image":{"fileId":"69664feb9a8a61663ce88321","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69664feb9a8a61663ce88321_blog%20cover%20(2).jpg","alt":null},"featured-image":{"fileId":"69664feb9a8a61663ce88321","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69664feb9a8a61663ce88321_blog%20cover%20(2).jpg","alt":null},"blog-content":"tl;dr:
The vision is simple: empower anyone, anywhere to move money instantly.
To get there, Polygon Labs is rebuilding the way the world experiences money, combining blockchain rails with regulated infrastructure required for money to operate onchain, at global scale.
Today, we’re excited to announce that Polygon Labs has signed definitive agreements to acquire Coinme and Sequence, bringing together licensed fiat on- and off-ramps, enterprise wallets, and onchain orchestration in one integrated solution.
Together, these acquisitions form the foundation for the Open Money Stack, an open and integrated stack of services and technologies to enable regulated stablecoin payments and money movement, running on Polygon’s blockchain rails.
In practice, the Open Money Stack will change how money behaves. Payments can settle in seconds instead of days; funds move across borders without correspondent banks or cutoff times; and money arrives as expected, stays usable onchain, and is put to work immediately.
The next three years will define how money moves over the next thirty years.
— Polygon | POL (@0xPolygon) January 8, 2026
The Polygon Open Money Stack will change everything.
• one vertically integrated stack to move all money onchain
• seamless global money movement enabled for anyone, anywhere.
• open, interoperable,… https://t.co/O8oCZKSWVh
Why this matters is simple. Stablecoins already act as money. What’s missing is the infrastructure to connect them cleanly to existing financial systems. Right now, there is no easy way to plug in legacy systems without fragmentation, regulatory uncertainty, and operational complexity.
These acquisitions close that gap, and help make money movement predictable and invisible, so people and businesses don’t have to think about settlement, delays, or failure cases.
Below, this post answers questions about what these acquisitions mean, and how they’re accelerating the Polygon Labs mission.
![\"__wf_reserved_inherit\"](\"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69664eff1997987dbbfc1887_Coinme.png\")
Coinme brings something rare in crypto payments: licensed access to the U.S. financial system. Coinme already operates inside the U.S. financial system, connecting cash, debit rails, and digital assets under existing regulatory frameworks.
Through Coinme, Polygon gains:
Coinme will operate as a wholly owned subsidiary of Polygon Labs, subject to customary regulatory approvals.
Backed by investors including Pantera, Digital Currency Group (DCG), Coinstar, Circle Ventures, and MoneyGram, Coinme already serves more than one million users of its consumer payments app.
![\"__wf_reserved_inherit\"](\"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69664f0929982fc737a49d18_Sequence.png\")
If Coinme anchors Polygon in regulated fiat access, Sequence makes onchain money usable at scale. Sequence complements and accelerates Polygon’s interoperability work, including Agglayer’s mission to unify all of crypto, while remaining focused on making payments feel simple and reliable.
Sequence brings:
In practice, this means applications can move stablecoins across networks without exposing users or payments teams to chain complexity.
Sequence embedded wallets achieve a 2X transaction conversion rate compared to non-Sequence wallets in the same app, while Trails, launched less than two months ago, has seen 10M+ tx volume to date.
![\"__wf_reserved_inherit\"](\"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69664f1c41e2907b623d8423_Trails.png\")
Sequence and Trails are already used by global platforms and enterprises. Backed by Brevan Howard Digital, Initialized Capital, Coinbase, Polychain, Consensys, Take-Two Interactive, Ubisoft, and Bitkraft, Sequence’s infrastructure is already used across major blockchain ecosystems including Polygon, Immutable, Monad, Arbitrum, Magic Eden, and emerging networks such as SKALE, Etherlink, ApeChain, Soneium, and Somnia.
When integrated into Polygon’s stack, Trails and Sequence enable the orchestration layer that allows money to move where it needs to go, without users needing to know how it got there.
Together, Coinme and Sequence bring key components of the Open Money Stack.
On top of Polygon’s high-performance blockchain infrastructure, Polygon Labs can now offer a single integration that includes:
For banks, fintechs, merchants, and payout providers, this unlocks a new operating model with stablecoin payments that settle in seconds, price predictably, and clean integration with existing systems.
The result is an open payments platform that upgrades the existing financial stack.
By combining regulated access, enterprise infrastructure, and onchain settlement, Polygon Labs establishes a clear path to more than $100 million in annual revenue, driven by real payment flows. Combined, these companies have already processed $1B in offchain sales and $2T in onchain volume.
Revenue generation means Polygon Labs won’t have to depend on Polygon Foundation for token grants to continue operating.
Instead, Polygon Labs is building payments infrastructure that earns revenue the same way the global payments industry always has: by moving money reliably, at scale.
Stablecoins are increasingly used as a settlement layer for global payments. But without regulation, orchestration, and integration, they remain difficult to deploy beyond early adopters.
Polygon enters this moment with proof of scale. The Polygon network has already facilitated more than $2.2 trillion in onchain value transfer, operating in production for millions of users and thousands of applications. Over the past year, adoption has accelerated sharply as global platforms and payments leaders, including Stripe, Polymarket, Revolut, and Flutterwave, have selected Polygon for onchain money rails, processing billions in real payment and settlement volume.
With Coinme and Sequence running on Polygon rails, it’s now possible for existing financial systems to plug directly into onchain money and get better outcomes.
That means faster settlement, lower fees, predictable execution, and capital that doesn’t sit idle.
Polygon is building the Open Money Stack to make it work.
2025 in Review: A Year of Real Payments Usage on Polygon
Polygon’s network evolved to move money at scale, from protocol upgrades to real transaction flow
2025 brought Polygon a sharpened focus on solving a big, universal problem: how money actually moves.
Across Polygon’s ecosystem, the most sustained usage in 2025 came from applications that move value: payments, stablecoin transfers in prediction markets, remittances, subscriptions, onchain financial products, and consumer apps where money changes hands continuously.
Major institutions moved from testing blockchain rails to running them in live environments. And Polygon’s core protocol shipped its most aggressive upgrade cycle yet, targeted squarely at becoming the future of payments.
By the end of the year, the pattern was clear.
Polygon is carrying real transaction flow in payments, payroll, remittances, merchant settlement, and onchain financial products.
This year. pic.twitter.com/RUReWWOtvT
— Polygon | POL (@0xPolygon) December 31, 2025
Over the past twelve months, Polygon aligned everything — product, protocol, partnerships, and leadership — around a single mission: Build the blockchain rails for global payment.
That clarity shaped every major decision this year:
The story of 2025 is how this strategy met reality, plus how institutions, fintechs, and consumers responded.
People and businesses actually used Polygon to move money.
This year, some of the most trusted financial brands on earth shipped real, production-level features on Polygon:
Institutions leveraged Polygon for better capital efficiency; fintechs used network where onchain money movement makes commercial sense: fast, stable, cheap, and globally reachable.
While institutions provided scale, culture gave Polygon something just as valuable: attention.
Adoption spanned fintech, global commerce, entertainment, and emerging markets, with a simple throughline: Polygon offered the best infrastructure for apps that scale.
2025 was the year Polygon’s network evolved into true payments infrastructure.
The blueprint for scaling Polygon to 100,000 TPS and supporting the world’s financial flows. Introduced a long-term plan to push Polygon from incremental scaling to sustained, internet-scale throughput without sacrificing efficiency or security.
Polygon’s Gigagas Roadmap to 100k TPS
The first milestone of the Gigagas roadmap arrived with Bhilai, pushing Polygon past 1,000 TPS and enabling more efficient blocktimes. This upgrade proved Polygon could scale throughput in production while maintaining stability, unlocking higher transaction capacity for payments-heavy workloads.
Polygon Supports 1,000 TPS with Bhilai Hardfork
Finality dropped from minutes to ~5 seconds, enabling:
Fast finality is the difference that brings crypto to the future of payments.
Polygon Hits ~5 Second Fast Finality in Significant Upgrade
Rio was the most payments-focused upgrade ever shipped on Polygon. It delivered:
Rio made Polygon faster, lighter, and more predictable under load—critical traits for global payments infrastructure.
Polygon Launches Major Payments Upgrade with Rio
Polygon now supports a new generation of native, instant-settling stablecoins built for real-time payments.
For institutions and fintechs, these upgrades brought Polygon into parity with global networks, while offering the speed and finality traditional rails can’t match.
Native USDT0 Comes to Polygon for Lower Fees and Deeper Liquidity
The clearest indicator that 2025 wasn’t hype? The data.
Usage grew because Polygon made payments work.
Payments were the front of the house. Agglayer was the back, building the architecture where liquidity, security, and user experience unify across chains.
The transition is 99% done, with major partners like Coinbase already upgraded. POL now powers both Polygon PoS and Agglayer as the core token of the ecosystem.
MATIC to POL Migration Is Now L…
With POL securing Agglayer and Polygon PoS, it sits at the center of two growing ecosystems, designed for real usage and long-term value alignment.
POL value accrual #1_ POL accru…
A first-of-its-kind program aligning POL, stakers, and builders — designed to bring high-quality chains and apps into the ecosystem with meaningful incentives.
POL Value Accrual Post #2_ Intr…
Incubated by Polygon Labs and GSR, and launched in 2025, Katana became the early signal of where Agglayer is headed: Unified liquidity. Better UX. Cross-chain applications that feel like one seamless environment.
Agglayer is becoming the connective tissue of the future of payments, and 2025 was its first real proving ground.
For Polygon, 2025 also saw organizational acceleration.
Together, they reflect the same shift happening across the network: Polygon is growing into the infrastructure layer global finance will depend on.
2025 proved something the industry has talked about for years: Payments belong onchain. And Polygon is where they’re coming to life.
2026 will take this further. The infrastructure is ready. The rails are in place. Adoption is here.
In 2026, Polygon will be at the center of the future of payments. Stay tuned.
","category":"643666dc103902d16a7aa5fe","tags":["643666dc10390215a17aa5d9","643666dc10390206167aa5ac","643666dc1039021cda7aa5fa","65d8d2530ad9e43eaed8c231","643666dc1039020df37aa5f6","643666dc1039023bc57aa5c0","67dc12b25b56c7112bd83425","643666dc10390230637aa5fc"],"author":"643666dc103902adf37aaa31","published-date":"2025-12-31T00:00:00.000Z","alt-text":null,"meta-title":"2025 in Review: A Year of Real Payments Usage on Polygon","meta-description":"2025 brought Polygon a sharpened focus on solving a big, universal problem: how money actually moves. ","trending-featured-blog":true,"page-list":["643666dc10390236ba7aa617","643666dc10390226d47aa627","643666dc10390247b27aa623","643666dc1039025dab7aa618","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc10390235387aa624","643666dc1039022cb07aa61a","643666dc103902b95c7aa616","643666dc10390289187aa61b","643666dc1039020fbb7aa622","643666dc1039020b147aa628","6683ca5fbc467488db33a3e4","643666dc10390259397aa63c","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc103902b2527aa61d","643666dc10390244df7aa620","643666dc1039025ae87aa63b","643666dc10390258577aa625","643666dc1039024c197aa61f"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"2025 in Review: A Year of Real Payments Usage on Polygon","slug":"2025-in-review-a-year-of-real-payments-usage-on-polygon"}},{"id":"694973195f60cff5cf9a73b2","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2025-12-22T16:34:33.173Z","lastUpdated":"2025-12-22T16:34:33.173Z","createdOn":"2025-12-22T16:34:33.173Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"The Shift4 integration underscores Polygon’s growing role as the go-to blockchain for real-world payments, settlement, and global commerce","thumbnail-image":{"fileId":"694972be7338f7e4c6bf7271","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/694972be7338f7e4c6bf7271_Shift4%20announcement.png","alt":null},"featured-image":{"fileId":"694972be7338f7e4c6bf7271","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/694972be7338f7e4c6bf7271_Shift4%20announcement.png","alt":null},"blog-content":"Today, Shift4 launched a new stablecoin settlement platform on Polygon, helping power always-on payments for hundreds of thousands of merchants worldwide, unlocking faster settlement, greater flexibility, and real-world utility at massive scale.
This collaboration marks another major step in Polygon’s mission to be the go-to network for anyone, anywhere to move money with ease.
Shift4 is a global leader in integrated payments and commerce technology, processing billions of transactions annually for merchants across nearly every industry.
Launching a stablecoin settlement platform is a clear signal that onchain finance is ready for prime time.
With this new platform, Shift4 merchants can now:
For merchants operating across borders, time zones, and banking systems, this isn’t just a technical upgrade—it’s a fundamental improvement to how money moves.
Payments demand speed, reliability, and low costs at scale. Polygon has been optimized precisely for this moment.
By supporting stablecoin settlement on Polygon, Shift4 merchants gain:
Polygon’s infrastructure enables stablecoins to function the way merchants actually need them to, as programmable, global money that settles instantly and predictably.
Stablecoins are emerging as one of the most successful blockchain-native products, with trillions of dollars in annual transfer volume and growing adoption by fintechs, enterprises, and institutions.
What’s changing now is where they’re being used.
This Shift4 launch moves stablecoins directly into the heart of commerce by providing infrastructure for merchant payouts, treasury management, global settlements, and around-the-clock liquidity.
Instead of being confined to crypto-native users, stablecoins on Polygon are now helping everyday businesses operate more efficiently, without requiring them to become blockchain experts.
The Shift4 collaboration is part of a much larger pattern for Polygon.
Over the past year, Polygon has continued to:
Each new integration like Shift4 reinforces Polygon’s role as the connective tissue between Web2 commerce and Web3 infrastructure, bringing blockchain benefits to users who may never even realize they’re using it.
As stablecoins continue to reshape global payments, Polygon is focused on one thing: making sure the rails are ready.
With Shift4 enabling stablecoin settlement for merchants worldwide, Polygon is helping push blockchain beyond speculation and into daily economic activity—where speed, reliability, and scale actually matter.
This is what real adoption looks like.
","category":"643666dc1039021ce67aa7ff","tags":["643666dc1039021cda7aa5fa","643666dc1039020df37aa5f6","643666dc1039023bc57aa5c0","67dc12b25b56c7112bd83425","643666dc10390215a17aa5d9"],"author":"643666dc103902adf37aaa31","published-date":"2025-12-22T00:00:00.000Z","alt-text":null,"meta-title":"Shift4 Brings 24/7 Stablecoin Payments to Global Commerce on Polygon","meta-description":"Shift4’s new stablecoin settlement platform on Polygon delivers fast, low-cost, 24/7 payments, powering real-world commerce at global scale.","trending-featured-blog":false,"page-list":["643666dc1039025dab7aa618","643666dc10390247b27aa623","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc10390235387aa624","643666dc1039022cb07aa61a","643666dc1039020b147aa628","643666dc103902b95c7aa616","643666dc10390289187aa61b","643666dc1039020fbb7aa622","6683ca5fbc467488db33a3e4","643666dc10390259397aa63c","643666dc1039024c197aa61f","643666dc10390244df7aa620","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc103902b2527aa61d","643666dc1039025ae87aa63b","643666dc10390258577aa625","643666dc10390236ba7aa617","643666dc10390226d47aa627"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"Shift4 Brings 24/7 Stablecoin Payments to Global Commerce on Polygon","slug":"shift4-brings-24-7-stablecoin-payments-to-global-commerce-on-polygon"}},{"id":"69445d7d3fb2bdb8b8984bf8","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2025-12-18T20:01:01.624Z","lastUpdated":"2025-12-18T20:01:01.624Z","createdOn":"2025-12-18T20:01:01.624Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"Global liquidity is converging on Polygon, where local-currency stablecoins are reaching real payment scale","thumbnail-image":{"fileId":"69445d06e82705ca170a9aa8","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69445d06e82705ca170a9aa8_non-USD%20stablecoin%20(1).png","alt":null},"featured-image":{"fileId":"69445d06e82705ca170a9aa8","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69445d06e82705ca170a9aa8_non-USD%20stablecoin%20(1).png","alt":null},"blog-content":"tl;dr
Local-currency stablecoins are starting to behave like real payment instruments: moving money, settling invoices, and bridging economic zones that rarely speak to each other.
And increasingly, this activity is concentrating on Polygon.
Polygon has now surpassed $11.1B in lifetime transfer volume for non-USD stablecoins, representing more than 43% of all non-USD stablecoin transfers across major blockchains.
Scale matters, but an emerging pattern matters more: global liquidity is forming around local currencies. Polygon is where these markets are finding each other. This is what it looks like when blockchain rails start powering everyday payments across borders and currencies.
USD stablecoins still dominate the global crypto market. In many places, they serve essential purposes for protecting savings and navigating inflation.
But beneath that dominance, a different trend is emerging: people and businesses alike are increasingly using currency-specific stablecoins to move value within and across markets without being routed through USD stables.
On Polygon, this shift is visible in real corridors with real traction:
These volumes show payments, remittances, merchant settlement, and intra-regional commerce happening near-instaneously on the same public infrastructure.
Polygon is rapidly becoming the go-to global Local Payment Method (LPM): a network where local currencies are liquid, discoverable, and interoperable with the rest of the world.
For fintechs, banks, and payment companies, the emergence of local-currency liquidity onchain solves long-standing pain points that legacy rails can’t easily address.
Startups and regional financial institutions can tap into global demand without building bespoke integrations for each market. If liquidity exists in BRL, SGD, MXN, or EUR on Polygon, builders can reach it instantly, and users can transact in a currency they already use.
Instead of routing everything through USD rails, value can move between local currencies directly. A supplier in São Paulo can receive BRL from an international buyer without conversion. A worker in Singapore can send SGD abroad without watching fees eat into earnings.
Moving between currencies becomes a matter of smart contract execution, rather than correspondent banking timelines. The spreads, delays, and reconciliation collapses into near-instant settlement.
Institutions like the IMF have raised the risk of rapid digital dollarization. Local-currency stablecoins offer an alternative path: digital money that respects monetary sovereignty while still participating in global commerce.
Polygon’s growing share of regional stablecoin activity shows this model is starting to take shape.
None of this requires diminishing USD stablecoins. Instead, it expands the universe of what’s possible alongside them.
Liquidity follows usability.
On Polygon, stablecoin transactions cost around a cent and settle in seconds. That alone would make it attractive. But the behavior seen in-market points to something broader: a preference for predictability and performance.
Non-USD issuers and users choose Polygon because:
Regional corridors that were historically siloed, like LATAM, Southeast Asia, Europe, Australia, and others, now operate on shared infrastructure without needing shared intermediaries.
This is how a global payment network emerges: organically, from the behavior of users who need better options.
The rise of local-currency payments on Polygon didn’t happen in a vacuum.
It sits atop a series of upgrades that made the network faster, more reliable, and more aligned with the needs of the payments industry.
Recent architecture improvements have:
The result is infrastructure designed for high-frequency, high-reliability financial flows, from consumer payments to B2B settlement.
The momentum is real: deepening liquidity in major corridors, new issuers entering the ecosystem, and fintechs building or integrating directly on Polygon to serve users in their native currencies.
What this points to is bigger than any single milestone.
Polygon is building the vanguard of a global, onchain money movement network, one where local currencies move seamlessly across borders, liquidity is open rather than locked inside regional silos, and enterprises and institutions get served up global audiences without stitching together dozens of payment integrations.
Every upcoming innovation and upgrade brings Polygon a step closer to enabling the next wave of payments and open finance. For everyone.
","category":"643666dc1039027de97aa5fd","tags":["67dc12b25b56c7112bd83425","643666dc10390206167aa5ac","643666dc1039021cda7aa5fa","643666dc1039020df37aa5f6","643666dc1039023bc57aa5c0"],"author":"643666dc103902adf37aaa31","published-date":"2025-12-18T00:00:00.000Z","alt-text":null,"meta-title":"Polygon Leads Non-USD Stablecoin Payments With $11.1B in Volume","meta-description":"Polygon has surpassed $11.1B in lifetime non-USD stablecoin transfer volume, emerging as the leading blockchain for local-currency payments, remittances, and global money movement","trending-featured-blog":false,"page-list":["643666dc10390247b27aa623","643666dc1039025dab7aa618","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc10390235387aa624","643666dc1039022cb07aa61a","643666dc1039020b147aa628","643666dc103902b95c7aa616","643666dc10390289187aa61b","643666dc1039020fbb7aa622","6683ca5fbc467488db33a3e4","643666dc10390259397aa63c","643666dc10390226d47aa627","643666dc1039024c197aa61f","643666dc10390244df7aa620","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc103902b2527aa61d","643666dc1039025ae87aa63b","643666dc10390236ba7aa617","643666dc10390258577aa625"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"Polygon Is a Leading Home for Local non-USD Stablecoins and Global Money Movement with $11.1B in Volume","slug":"polygon-is-a-leading-home-for-local-non-usd-stablecoins-and-global-money-movement-with-11-1b-in-volume"}},{"id":"6942b40d86b7b8ced3a969b6","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2025-12-17T13:45:49.957Z","lastUpdated":"2025-12-17T13:45:49.957Z","createdOn":"2025-12-17T13:45:49.957Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"Boys Club stays independent, Polygon Labs gets to lean on a killer cultural partner to help make crypto more accessible","thumbnail-image":{"fileId":"6942b3f50b2ffe7ce3229ee6","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/6942b3f50b2ffe7ce3229ee6_BOYSCLUB%20X%20POLYGON.png","alt":null},"featured-image":{"fileId":"6942b3f50b2ffe7ce3229ee6","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/6942b3f50b2ffe7ce3229ee6_BOYSCLUB%20X%20POLYGON.png","alt":null},"blog-content":"Today, Polygon Labs is making a strategic investment in Boys Club, designed to advance Polygon’s mission of being the go-to blockchain for payments more practical and accessible to more people. Boys Club will work closely as a creative collaborator with Polygon on key initiatives while continuing to operate as an independent organization.
Since 2021, Boys Club has built one of the most recognizable cultural voices in technology and Web3. Known for its approach to technology and business reporting for people who hate technology and business reporting, Boys Club has built a trusted community across newsletters, podcasts, events, and partnerships with leading brands like Coinbase, Sotheby’s, and a16z. Their team translates abstract technology into human, humorous, and culturally resonant stories.
As Polygon continues to build the infrastructure for cross-border and cross-chain payments, stablecoins, and everyday financial experiences, Boys Club brings the cultural fluency needed to connect these innovations with mainstream audiences.
Together, the organizations will show how blockchain supports human-centered experiences that aren’t only speculative.
Polygon Lab’s work is increasingly oriented toward real-world adoption: global payments and financial experiences people and institutions use every day.
But infrastructure alone is not enough. New technology becomes valuable when people understand it, trust it, and see real use for themselves in it. Boys Club excels at translating complex systems into language and stories that resonate. Their ability to communicate why something matters helps achieve Polygon’s goal of building the rails for the next generation of money movement.
Boys Club will be able to reach audiences who want to be nerdsnipped but not through developer docs. With this strategic investment, Polygon reinforces its commitment to both sides of adoption: robust infrastructure and killer cultural creation.
Boys Club retains full editorial independence, creative control, and operational autonomy as a revenue-generating studio, rather than a new content arm of Polygon Labs.
They will continue to work across the broader crypto and tech landscape, including with Base, Solana, Aptos, and other ecosystems.
This neutrality is important. Polygon Labs is investing in the growth of cultural storytelling in Web3, not directing or owning it. An open, collaborative cultural environment strengthens the entire space and aligns with Polygon’s belief in a more inclusive, interoperable blockchain ecosystem.
Together, Boys Club will work with Polygon to contribute to:
These efforts are designed to help people draw a line between what Polygon is building and how it shows up in their lives, whether that means sending remittances, paying or getting paid instantly, or using fun apps, like Polymarket, that are pioneering the future of finance. Boys Club supports Polygon’s efforts to expand real-world adoption and introduce new users to crypto through payments, creativity, and curiosity.
","category":"643666dc1039027de97aa5fd","tags":["643666dc1039021cda7aa5fa","643666dc1039023bc57aa5c0","643666dc103902caa97aa5ad","643666dc103902a4997aa5f9"],"author":null,"published-date":"2025-12-17T00:00:00.000Z","alt-text":null,"meta-title":"Polygon Labs Makes Strategic Investment in Boys Club to Advance Cultural Crypto Storytelling","meta-description":"Today, Polygon Labs is making a strategic investment in Boys Club, designed to advance Polygon’s mission of being the go-to blockchain for payments more practical and accessible to more peopl","trending-featured-blog":false,"page-list":["643666dc10390226d47aa627","643666dc10390236ba7aa617","643666dc10390247b27aa623","643666dc1039025dab7aa618","643666dc10390235387aa624","643666dc1039022cb07aa61a","643666dc1039020b147aa628","643666dc103902b95c7aa616","643666dc10390289187aa61b","643666dc1039020fbb7aa622","6683ca5fbc467488db33a3e4","643666dc10390259397aa63c","643666dc10390233af7aa619","643666dc1039024c197aa61f","643666dc10390244df7aa620","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc103902b2527aa61d","643666dc1039025ae87aa63b","643666dc10390241b97aa626","643666dc10390258577aa625"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"Polygon Labs Makes Strategic Investment in Boys Club to Advance Cultural Crypto Storytelling","slug":"polygon-labs-makes-strategic-investment-in-boys-club-to-advance-cultural-crypto-storytelling"}},{"id":"69371019df38469e2f80871d","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2025-12-11T10:42:09.862Z","lastUpdated":"2025-12-09T11:48:29.807Z","createdOn":"2025-12-08T17:51:21.116Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"Latest upgrade enables adjustable blocktimes, faster consensus, improvements to network uptime, and makes it easy for future throughput upgrades","thumbnail-image":{"fileId":"69380c8564deb621bdca89fa","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69380c8564deb621bdca89fa_Madhugiri_static.png","alt":null},"featured-image":{"fileId":"69380c8564deb621bdca89fa","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69380c8564deb621bdca89fa_Madhugiri_static.png","alt":null},"blog-content":"tl;dr
Today, Polygon continues to cement itself as the go-to payments chain with the Madhugiri Hardfork, an upgrade that coincides with 33% higher throughput and makes future upgrades for speed that much easier.
With this key upgrade, future blocktime adjustments made on Polygon won’t require a full hardfork. Instead, Madhugiri makes blocktimes adjustable directly within chain architecture, which means future throughput upgrades can occur without additional hardforks. Polygon can now process ~1400 transactions per second (TPS) throughput, moving towards a 5K TPS goal unlocked in an earlier upgrade—and all without disrupting reliability. In its current state, Polygon could have processed all 33.6 billion ACH payments in 2024 and still had more than 25% capacity to take on other transactions.
And without the need to hardfork for future blocktime adjustments, Polygon becomes that much more reliable for the major institutions and enterprises already integrated on Polygon, including Revolut, MasterCard, Stripe, Reliance Jio, BlackRock, Polymarket, and a host of others.
Additionally, Madhugiri makes Ethereum’s core Fusaka EIPs live, strengthening core security and mitigating potential attack vectors for an even more battle-tested network that enterprises can continue to rely on.
The Fusaka upgrade is today.
— Ethereum (@ethereum) December 3, 2025
Ethereum is securely scaling. pic.twitter.com/YaJ5WL4tSc
No action is required from users or developers; the upgrade is fully handled by the network. Full-node operators will need to upgrade to the latest version.
Polygon is evolving at an accelerated rate.
Each additional upgrade ensures enterprise readiness through continuous security improvements, easier scaling, and reliability for the businesses on Polygon.
Here’s all the Polygon and Ethereum Improvement Proposals (PIPs and EIPs) included in this hardfork, as well as what they enable.
Madhugiri builds on a run of upgrades and integrations for Polygon that cement it as the payments solution for payments solutions, including tokenized real-world assets.
Revolut chooses Polygon.
— Polygon (@0xPolygon) November 18, 2025
Europe’s largest fintech has officially integrated stablecoin payments, trading, and POL staking.
With $690M+ in volume on Polygon to date. pic.twitter.com/5z87H4Lowb
Institutional demand continues to accelerate, with recent announcements that include:
Polygon has also seen new highs of adoption in payments-focused data in recent months.
Polygon hit an all-time high in payments volume with $1B in November, including an all-time one-day high of $5.54M. Revolut has processed more than $800M on Polygon and Stripe’s volume on Polygon is second only to Ethereum.
An uptick in institutional integrations dovetails with a number of recent upgrades, including the payments upgrade in Rio that brought a new block production model enabling 5K transactions-pers-second, near-instant finality, an end to the risk of reorgs, and a lightweight network. Madhugiri continues this technical excellence, helping Polygon take another step toward an institutional-grade Gigagas future that can fully support the global demand for borderless financial infrastructure.
","category":"643666dc103902d16a7aa5fe","tags":["67dc12b25b56c7112bd83425","643666dc10390215a17aa5d9","643666dc10390291827aa5c1","643666dc10390230637aa5fc","643666dc1039020df37aa5f6","643666dc103902a4997aa5f9"],"author":"643666dc103902adf37aaa31","published-date":"2025-12-09T00:00:00.000Z","alt-text":null,"meta-title":"Polygon Speeds Up by 33% with Madhugiri Hardfork","meta-description":"Madhugiri hardfork brings adjustable blocktimes necessary for future speed, faster consensus, and in a separate upgrade, higher throughput, now ~1400 TPS on the path to 5K","trending-featured-blog":false,"page-list":["643666dc10390247b27aa623","643666dc10390226d47aa627","643666dc1039025dab7aa618","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc1039022cb07aa61a","643666dc1039020b147aa628","643666dc103902b95c7aa616","643666dc10390289187aa61b","643666dc1039020fbb7aa622","6683ca5fbc467488db33a3e4","643666dc10390259397aa63c","643666dc10390235387aa624","643666dc1039024c197aa61f","643666dc10390244df7aa620","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc103902b2527aa61d","643666dc10390236ba7aa617","643666dc1039025ae87aa63b"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"Polygon Speeds Up by 33% with Madhugiri Hardfork","slug":"polygon-speeds-up-by-33-with-madhugiri-hardfork"}},{"id":"691c588816287bc2595bf24e","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2025-11-18T17:39:49.501Z","lastUpdated":"2025-11-18T17:39:49.501Z","createdOn":"2025-11-18T11:29:12.759Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"Polygon enables Revolut users to move money across town or across borders with low fees, and seamlessly on- and off-ramp","thumbnail-image":{"fileId":"691c5846dcf017ba7c793229","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/691c5846dcf017ba7c793229_Revolut_Static.png","alt":null},"featured-image":{"fileId":"691c5846dcf017ba7c793229","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/691c5846dcf017ba7c793229_Revolut_Static.png","alt":null},"blog-content":"tl;dr
Revolut, Europe’s largest neobank and one of the world’s fastest-growing fintech platforms, has integrated with Polygon for stablecoin transfers, payments, and trading.
By November 2025, over $690 million in volume has been processed over Polygon in the Revolut app, showing true adoption in the real-world by an avid user base.
With over 65 million users across 38 countries, Revolut’s integration marks a pivotal moment, allowing users who opt-in to send and receive money via Polygon’s rails seamlessly, without high-fees or the silo of borders. Native on- and off-ramps in the Revolut app ensure seamless user experience.
In the Revolut app, users can:
The first phase of this collaboration continues to see success.
Revolut’s integration marks a major step in Web3 adoption, embedded directly into Revolut’s existing app.
Already, Revolut has 14 million crypto users, demonstrating Polygon's readiness for mainstream financial services. The integration reinforces Polygon’s lead as the go-to blockchain for enterprise payments and stablecoins.
Revolut joins other major institutions, enterprises, and governments selecting Polygon as crypto money rails, including:
Polygon brings stable, reliable, in-production blockchain rails to global institutions, supporting millions of transactions daily with an average transaction fee of fractions of a penny.
Revolut’s integration with Polygon comes on the heels of the network’s most important payments-focused upgrade yet. The Rio upgrade for payments made Polygon faster, lighter, and more reliable, enabling 5,000 transactions per second with near-instant finality and eliminating the risk of reorgs. This means Revolut users, and millions more to come, can move money on rails that settle as fast as messages, cementing Polygon as the go-to blockchain for global payments.
Revolut x Polygon sets the stage for more collaborations in cross-border payments, remittances, and the broader convergence of traditional and decentralized finance.
","category":"643666dc1039021ce67aa7ff","tags":["67dc12b25b56c7112bd83425","643666dc10390291827aa5c1","643666dc1039021cda7aa5fa","643666dc1039023bc57aa5c0","643666dc103902a4997aa5f9"],"author":"643666dc103902adf37aaa31","published-date":"2025-11-18T00:00:00.000Z","alt-text":null,"meta-title":"Revolut Chooses Polygon as Go-to Crypto Rails for Payments, Trading, and Staking, Processing $690M to Date","meta-description":"Revolut, Europe’s largest neobank and one of the world’s fastest-growing fintech platforms, has integrated with Polygon as its go-to stack for stablecoin transfers, payments, and trading","trending-featured-blog":true,"page-list":["643666dc10390226d47aa627","643666dc10390247b27aa623","643666dc1039025dab7aa618","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc10390235387aa624","643666dc1039022cb07aa61a","643666dc1039020b147aa628","643666dc103902b95c7aa616","643666dc10390289187aa61b","643666dc1039020fbb7aa622","643666dc10390236ba7aa617","6683ca5fbc467488db33a3e4","643666dc10390259397aa63c","643666dc1039024c197aa61f","643666dc10390244df7aa620","643666dc103902415e7aa621","643666dc103902d76e7aa61e","643666dc103902b2527aa61d","643666dc1039025ae87aa63b","643666dc103902560a7aa61c","643666dc10390258577aa625"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"Revolut integrates Polygon for Payments, Trading and Staking, Processing $690M to Date","slug":"revolut-integrates-polygon-for-payments-trading-and-staking-processing-690m-to-date"}},{"id":"691b52c6d7f742426d8de1dd","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2025-12-29T17:15:59.250Z","lastUpdated":"2025-12-29T17:15:59.250Z","createdOn":"2025-11-17T16:52:22.105Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"Mastercard, Polygon Labs, and Mercuryo are bringing verified, alias-based identities to self-custody wallets, simplifying crypto transfers and advancing the next generation of global payments","thumbnail-image":{"fileId":"691b520eb0d404ae85ca1cb3","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/691b520eb0d404ae85ca1cb3_Mastercard_Polygon.png","alt":null},"featured-image":{"fileId":"691b520eb0d404ae85ca1cb3","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/691b520eb0d404ae85ca1cb3_Mastercard_Polygon.png","alt":null},"blog-content":"Mastercard is expanding its Crypto Credential program to support self-custody wallets, enabling users to send and receive crypto using verified, username-style aliases rather than complex addresses.
Polygon has been chosen as the first blockchain network to natively support this functionality due to its speed, reliability and low-cost settlement.
Identity provider Mercuryo will onboard verified users and issue secure credentials aligned with the Mastercard Crypto Credential standard.
The initiative combines trusted verification, intuitive UX and self-custody wallet control, advancing user-friendly onchain asset transfers.
Mastercard is expanding its Crypto Credential identity infrastructure to include support for self-custody crypto wallets. This means people will be able to send and receive digital assets using human-readable, verified usernames instead of long hexadecimal wallet addresses, making the experience more intuitive and secure.
Polygon has been selected by Mastercard as the first blockchain network to support this verified username system. Polygon’s performance characteristics, fast settlement, low fees and predictable throughput, make it a strong fit for identity-linked transfers at scale.
Mercuryo, a payment API provider, will handle identity verification and issuance of Mastercard Crypto Credential aliases, allowing users to link their verified alias to a self-custody wallet onchain.
Users undergo identity verification with Mercuryo to receive a verified alias. This alias is tied to the user’s real identity and can then be connected to a self-custody wallet address.
Once verified, users can link their wallet to the alias and optionally request a Crypto Credential soulbound token on Polygon, which signals onchain that the wallet belongs to a verified individual.
After linking their alias, users can receive crypto using just the verified username. The sending side of the feature will be enabled later, allowing users to initiate transfers using the alias in place of a traditional blockchain address.
This replaces the need to copy complex wallet strings and helps reduce transfer errors, enhancing security and user comfort.
Self-custody wallets give users control over their keys and assets, but previously required manual address entry. Verified usernames bridge this gap, providing:
Users benefit from intuitive, human-readable identifiers while still maintaining cryptographic ownership of their assets.
Complex wallet addresses are a known obstacle for non-technical users. Using verified, username-style aliases simplifies onboarding and everyday transfers, making self-custody more approachable to mainstream audiences.
Mastercard selected Polygon as the first blockchain to support this initiative because of:
Polygon’s infrastructure is already trusted by large payments and fintech partners, indicating the network is capable of enterprise-grade identity and transfer functions.
This work complements Polygon’s existing ecosystem integrations with payments rails and identity frameworks, helping position Polygon as more than just a settlement layer and as a full stack capable of supporting identity-linked transfers at scale.
By combining Mastercard’s verification trust layer with Polygon’s performance and Mercuryo’s onboarding, the initiative makes self-custody more accessible to users who may have previously relied solely on custodial platforms.
This aligns with broader industry efforts to reduce friction in wallets, identity and payments interactions onchain.
A global payment leader choosing Polygon underscores the network’s maturity and readiness for mainstream use cases that demand performance, security and low cost.
Whether you’re designing wallets, onboarding flows, identity layers, or full-scale payment applications, Polygon provides the speed, reliability, and real-world integrations to support global users.
Start building payments on Polygon
What is the Mastercard Crypto Credential?
Mastercard Crypto Credential is an identity framework that links verified user identities to blockchain interactions, enabling intuitive transfer experiences using verified, username-style aliases.
How is a verified username different from a wallet address?
Verified usernames are human-readable identifiers linked to a crypto wallet through identity verification, removing the need to handle long hexadecimal addresses while retaining self-custody control.
Who handles identity verification for this system?
Mercuryo is the initial verifier and issuer of Mastercard Crypto Credential aliases, responsible for onboarding users and issuing keys tied to verified identity.
Can I send crypto immediately using a verified username?
Users can already receive crypto via their verified alias. Sending from a username is expected to be enabled in subsequent phases of the rollout.
Does this require users to give up self-custody?
No. The system preserves self-custody. Users retain full control of their private keys while benefiting from a friendlier alias interface.
Why is this significant for mainstream crypto usage?
It reduces the technical barrier associated with wallet addresses, aligning blockchain transfers with familiar payment paradigms and improving accessibility for broader audiences.
","category":"643666dc1039021ce67aa7ff","tags":["67dc12b25b56c7112bd83425","643666dc1039023bc57aa5c0","643666dc10390215a17aa5d9","643666dc1039021cda7aa5fa"],"author":null,"published-date":"2025-11-18T00:00:00.000Z","alt-text":null,"meta-title":"Mastercard Selects Polygon to Power Verified Username Transfers for Self-Custody Wallets","meta-description":"Mastercard is expanding Mastercard Crypto Credential to self-custody wallets, selecting Polygon as the first blockchain network to support the rollout","trending-featured-blog":false,"page-list":["643666dc1039025dab7aa618","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc10390235387aa624","643666dc1039022cb07aa61a","643666dc1039020b147aa628","643666dc103902b95c7aa616","643666dc10390289187aa61b","643666dc1039020fbb7aa622","6683ca5fbc467488db33a3e4","643666dc10390259397aa63c","643666dc10390247b27aa623","643666dc1039024c197aa61f","643666dc10390244df7aa620","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc103902b2527aa61d","643666dc1039025ae87aa63b","643666dc10390258577aa625","643666dc10390236ba7aa617","643666dc10390226d47aa627"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"Mastercard Selects Polygon to Power Verified Username Transfers for Self-Custody Wallets","slug":"mastercard-selects-polygon-to-power-verified-username-transfers-for-self-custody-wallets"}},{"id":"6915fb08320c2c4d418b8e51","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2025-12-29T17:15:54.444Z","lastUpdated":"2025-12-29T17:15:54.444Z","createdOn":"2025-11-13T15:36:40.651Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"Backed by real-world assets, rcUSD+ delivers sustainable yield to DeFi on Polygon’s high-speed, low-cost rails.","thumbnail-image":{"fileId":"6915fa915a5be905fd5f1fad","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/6915fa915a5be905fd5f1fad_R25.png","alt":null},"featured-image":{"fileId":"6915fa915a5be905fd5f1fad","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/6915fa915a5be905fd5f1fad_R25.png","alt":null},"blog-content":"R25 has launched an institutional-grade real-world asset protocol built on Polygon.
The protocol introduces rcUSD, a yield-bearing tokenized dollar backed by short-duration US Treasury bills.
The initiative brings onchain yield generation to regulated, real-world financial instruments.
Polygon was selected to support scalable, reliable, and cost-efficient infrastructure for institutional usage.
R25 is launching a new protocol focused on bringing real-world assets onchain for institutional and professional market participants. The protocol is designed to bridge traditional financial instruments with blockchain-based settlement and programmability.
By building on Polygon, R25 positions its infrastructure within an ecosystem that supports predictable settlement behavior and scalable transaction processing. The goal is to enable institutions to access real-world yield through onchain financial instruments without relying on speculative crypto assets.
rcUSD is a yield-bearing stablecoin designed to represent a tokenized US dollar. Unlike traditional stablecoins that focus solely on price stability, rcUSD is structured to generate yield for holders.
The token is backed by short-duration US Treasury bills, allowing yield from real-world government securities to be reflected onchain in a programmable format.
By tokenizing yield-bearing assets, rcUSD enables institutions to access real-world yield directly through blockchain infrastructure. This approach allows yield generation to be transparent, composable, and settled onchain.
Traditional access to yield-bearing assets often involves manual processes, delayed settlement, and limited transparency. Tokenized real-world assets address these challenges by enabling faster settlement and clearer asset representation.
R25’s protocol focuses on making real-world yield instruments accessible onchain while maintaining alignment with institutional requirements and regulated financial structures.
Institutional financial infrastructure requires consistent performance and cost predictability. Polygon provides low transaction fees and stable settlement behavior, making it suitable for real-world asset issuance and ongoing yield distribution.
Polygon’s ability to handle transaction volume reliably supports institutional-grade workflows. This ensures that tokenized assets and yield-bearing instruments can operate efficiently at scale.
R25’s protocol acts as a bridge between traditional financial instruments such as US Treasury bills and onchain financial infrastructure. This allows institutions to interact with real-world assets using programmable blockchain systems.
By offering a yield-bearing tokenized dollar, R25 enables institutions to explore onchain yield opportunities that align with familiar financial products. This supports broader adoption of blockchain technology in institutional finance.
R25 is a protocol focused on bringing institutional-grade real-world assets onchain. It provides infrastructure for tokenizing and managing yield-bearing financial instruments using blockchain technology.
rcUSD is a yield-bearing tokenized dollar introduced by R25. It is backed by short-duration US Treasury bills and designed to provide onchain access to real-world yield for institutional users.
rcUSD generates yield by being backed by short-duration US Treasury bills. The yield from these government securities is reflected onchain through the token structure.
Real-world assets connect blockchain infrastructure to established financial markets. Tokenizing assets like government securities enables faster settlement, increased transparency, and programmable access to yield.
Polygon was chosen because it offers low transaction costs, predictable settlement behavior, scalability, and reliability suitable for institutional-grade financial applications.
rcUSD is designed for institutional and professional users seeking onchain exposure to real-world yield through regulated financial instruments rather than speculative crypto assets.
","category":"643666dc1039021ce67aa7ff","tags":["65c3cc2de0f8460988e3065d","67dc12b25b56c7112bd83425","643666dc103902a4997aa5f9","643666dc1039023bc57aa5c0","643666dc10390215a17aa5d9"],"author":"643666dc103902adf37aaa31","published-date":"2025-11-14T00:00:00.000Z","alt-text":null,"meta-title":"R25 Launches Institutional-Grade RWA Protocol on Polygon, Introducing Yield-Bearing rcUSD+ Token","meta-description":"R25, an RWA and stablecoin protocol, launched with Polygon as its first and preferred EVM blockchain partner to bring institutional-grade yield to everyday token holders","trending-featured-blog":false,"page-list":["643666dc10390236ba7aa617","643666dc10390226d47aa627","643666dc10390247b27aa623","643666dc1039025dab7aa618","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc1039022cb07aa61a","643666dc1039020b147aa628","643666dc103902b95c7aa616","643666dc10390289187aa61b","643666dc1039020fbb7aa622","6683ca5fbc467488db33a3e4","643666dc10390235387aa624","643666dc10390259397aa63c","643666dc1039024c197aa61f","643666dc10390244df7aa620","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc103902b2527aa61d","643666dc1039025ae87aa63b","643666dc10390258577aa625"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"R25 Launches Institutional-Grade RWA Protocol on Polygon, Introducing Yield-Bearing rcUSD+ Token","slug":"r25-launches-institutional-grade-rwa-protocol-on-polygon-introducing-yield-bearing-rcusd-token"}},{"id":"69149121ba5c9f8bad23950b","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2025-12-29T17:15:43.335Z","lastUpdated":"2025-12-29T17:15:43.335Z","createdOn":"2025-11-12T13:52:33.797Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"The world’s largest funds network, processing over £250B monthly, integrates with Polygon to launch tokenized fund share classes and bring institutional finance onchain","thumbnail-image":{"fileId":"69148a21d70a7d1e370622d9","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69148a21d70a7d1e370622d9_Calastone_Static_Cover.png","alt":null},"featured-image":{"fileId":"69148a21d70a7d1e370622d9","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69148a21d70a7d1e370622d9_Calastone_Static_Cover.png","alt":null},"blog-content":"
Calastone operates the world’s largest global fund distribution network, connecting asset managers, fund distributors, and transfer agents across multiple markets. Its infrastructure supports the processing and settlement of fund transactions at institutional scale.
By bringing fund distribution onchain, Calastone aims to modernize how mutual funds and tokenized funds are issued, distributed, and settled. The initiative is designed to improve operational efficiency while maintaining compatibility with existing regulated financial workflows.
Traditional fund distribution relies on fragmented systems, delayed settlement cycles, and complex reconciliation processes between multiple intermediaries. These inefficiencies increase operational cost and slow down fund issuance and settlement.
Using blockchain infrastructure allows fund transactions to be represented and settled on a shared ledger. This reduces reconciliation complexity, improves transparency, and enables faster settlement compared to legacy processes.
Calastone’s onchain approach enables funds to be issued and settled using blockchain-based workflows. This creates a more streamlined process for distributing funds across multiple participants while maintaining institutional controls.
By using blockchain settlement, asset managers and distributors benefit from reduced manual reconciliation, clearer transaction records, and faster processing. These improvements are aimed at lowering operational overhead without disrupting existing roles in the fund ecosystem.
Institutional fund infrastructure requires predictable performance and controlled costs. Polygon provides low transaction fees and consistent settlement behavior, making it suitable for high-value and high-volume fund operations.
Polygon’s infrastructure supports scalable transaction processing while maintaining reliability required for regulated financial activity. This makes it appropriate for institutional-grade use cases such as fund issuance, settlement, and administration.
Onchain settlement shortens settlement cycles and provides a clear, shared record of fund transactions. This improves transparency across participants and reduces delays inherent in multi-system reconciliation.
Calastone’s approach bridges traditional asset management workflows with tokenized fund infrastructure. This allows institutions to adopt blockchain benefits without abandoning established regulatory and operational frameworks.
The Calastone and Polygon integration signals growing interest in applying blockchain infrastructure to core financial market plumbing rather than consumer-facing experimentation.
By focusing on real-world fund distribution, the initiative highlights how blockchain can be used to modernize institutional finance through efficiency gains, faster settlement, and operational clarity.
Calastone operates the world’s largest global fund distribution network, connecting asset managers, fund distributors, and transfer agents. It enables the processing, settlement, and administration of fund transactions across multiple markets.
Calastone is bringing fund distribution onchain to reduce settlement time, improve transparency, and simplify reconciliation across fund participants. Blockchain infrastructure enables more efficient processing compared to fragmented legacy systems.
Blockchain improves fund distribution by providing a shared ledger for transaction settlement. This reduces manual reconciliation, increases transparency, and enables faster settlement while maintaining institutional controls.
Calastone chose Polygon because it offers low transaction costs, predictable settlement behavior, scalability, and reliability suitable for institutional-grade financial workflows such as fund issuance and settlement.
Mutual funds and tokenized funds can benefit from onchain distribution by gaining faster settlement, improved operational efficiency, and clearer transaction records across asset managers and distributors.
No. Onchain fund distribution is designed to complement existing roles such as asset managers, distributors, and transfer agents by improving efficiency and settlement processes rather than removing institutional structures.
","category":"643666dc1039021ce67aa7ff","tags":["67dc12b25b56c7112bd83425","65c3cc2de0f8460988e3065d","643666dc10390215a17aa5d9","643666dc1039021cda7aa5fa","643666dc1039020df37aa5f6","643666dc1039023bc57aa5c0"],"author":"643666dc103902adf37aaa31","published-date":"2025-11-12T00:00:00.000Z","alt-text":null,"meta-title":"Calastone Brings Global Fund Distribution Onchain with Polygon","meta-description":"Calastone, the global funds network that processes more than £250 billion in transactions each month, is launching its tokenized fund distribution solution on Polygon, the go-to stack powering global money movement, supporting sending billions in value, instantly. ","trending-featured-blog":true,"page-list":["643666dc10390236ba7aa617","643666dc10390226d47aa627","643666dc10390247b27aa623","643666dc1039025dab7aa618","643666dc10390241b97aa626","643666dc10390235387aa624","643666dc1039022cb07aa61a","643666dc1039020b147aa628","643666dc103902b95c7aa616","643666dc10390289187aa61b","643666dc10390233af7aa619","643666dc1039020fbb7aa622","6683ca5fbc467488db33a3e4","643666dc10390259397aa63c","643666dc1039024c197aa61f","643666dc10390244df7aa620","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902b2527aa61d","643666dc1039025ae87aa63b","643666dc10390258577aa625","643666dc103902d76e7aa61e"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"Calastone Brings Global Fund Distribution Onchain with Polygon","slug":"calastone-brings-global-fund-distribution-onchain-with-polygon"}},{"id":"69035d1fe6baf4bde4509b94","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2025-12-30T13:31:32.814Z","lastUpdated":"2025-12-29T17:15:49.105Z","createdOn":"2025-10-30T12:42:07.847Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"Africa’s largest payments company joins forces with Polygon Labs to launch instant, low-cost cross-border payments for global multinationals and millions of consumers","thumbnail-image":{"fileId":"6903604aef39b3d82be0568e","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/6903604aef39b3d82be0568e_Flutterwave_Static_Cover.png","alt":null},"featured-image":{"fileId":"6903604aef39b3d82be0568e","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/6903604aef39b3d82be0568e_Flutterwave_Static_Cover.png","alt":null},"blog-content":"Flutterwave has selected Polygon as its default blockchain network for a new cross-border payments product built on stablecoin settlement.
The collaboration targets enterprise platforms such as Uber and Audiomack, with consumer remittances planned in later phases.
Polygon was chosen for its fast settlement, low transaction costs, and ability to support real-world payment volumes at scale.
The rollout begins with enterprise customers in 2025 and expands to consumer remittances in 2026.
Flutterwave, a payments infrastructure provider operating across Africa with more than 40 billion dollars in total payment volume processed, has chosen Polygon as the default blockchain for its cross-border payments product.
The initiative is designed to enable instant, low-cost stablecoin payments across more than 30 African countries. By combining Flutterwave’s distribution and enterprise reach with Polygon’s onchain settlement infrastructure, the collaboration aims to modernize how value moves across borders for businesses and individuals.
The rollout is phased. Enterprise customers gain access first through Flutterwave for Business in 2025, followed by consumer remittance flows through the Send App in 2026.
Cross-border payments in Africa are often slow and expensive, with traditional systems taking days to settle and fees that can exceed eight percent of transaction value. These inefficiencies impact platforms, merchants, and workers who rely on frequent international transfers.
By integrating Polygon’s blockchain infrastructure, Flutterwave aims to reduce both cost and settlement time. Onchain settlement allows transfers to complete in seconds rather than days, while significantly lowering the cost of moving value across borders.
The cross-border payments product is built around stablecoins, enabling value to move internationally without exposure to local currency volatility. Stablecoins provide a practical foundation for cross-border payments, particularly in regions where traditional banking infrastructure struggles to support digital commerce efficiently.
Polygon’s low transaction fees and fast confirmation times make stablecoin settlement viable for both large enterprise payments and smaller, frequent transfers.
The announcement highlights real-world payout scenarios enabled by this infrastructure, including Uber driver payouts. These payment flows illustrate how blockchain-based settlement can support everyday economic activity rather than purely experimental use cases.
Examples such as paying drivers and merchants in Lagos and Nairobi demonstrate how instant, low-cost settlement can materially improve how platforms operate across borders.
Payment infrastructure requires cost predictability to operate at scale. Polygon offers low and stable transaction fees, allowing Flutterwave to design cross-border payment flows that remain affordable even during periods of high activity.
Polygon provides near-instant settlement and consistent network behavior. These characteristics are essential for cross-border payment systems where delays, congestion, or unpredictable performance can disrupt operations and trust.
The Flutterwave collaboration aligns with broader signals that Polygon is being used for real-world financial activity at scale.
Polygon processes half of all US USDC transfers in the 100 to 1,000 dollar range, a transaction band commonly associated with everyday payments rather than large, infrequent transfers.
Polygon is also used for institutional financial products, including BlackRock’s BUIDL fund, demonstrating that the network supports regulated, large-scale asset issuance alongside payment flows.
In addition, consumer-facing applications such as Polymarket generate significant onchain transaction volume, reinforcing Polygon’s ability to support sustained public usage at scale.
By combining Flutterwave’s reach with Polygon’s settlement infrastructure, the collaboration establishes a foundation for scalable, blockchain-based cross-border payments that can serve enterprises, platforms, and consumers.
Onchain settlement enables more automated and programmable payment workflows, reducing operational overhead and improving efficiency for payment providers operating across borders.
Flutterwave is a payments infrastructure platform that enables businesses and individuals to send, receive, and settle payments across multiple countries. It supports enterprise payments, merchant payouts, and international money movement, particularly across Africa and emerging markets.
Flutterwave chose Polygon because it offers fast settlement, low and predictable transaction fees, and scalability suitable for high-volume payment flows. These characteristics are critical for cross-border payment systems that need reliable performance at scale.
Stablecoins improve cross-border payments by maintaining value stability while enabling near-instant settlement on blockchain networks. They reduce friction caused by currency volatility, high remittance fees, and slow traditional settlement systems.
Polygon reduces costs by enabling low-fee transaction processing and efficient onchain settlement. This allows payment providers and merchants to move value without relying on multiple intermediaries or incurring high operational overhead.
Examples include enterprise cross-border payments and gig economy payouts such as Uber driver payments in cities like Lagos and Nairobi, where fast and affordable settlement improves everyday economic activity.
Signals include high stablecoin transaction activity in everyday payment ranges, institutional tokenized fund issuance such as BlackRock’s BUIDL fund, and consumer applications like Polymarket generating large transaction volumes.
","category":"643666dc1039021ce67aa7ff","tags":["67dc12b25b56c7112bd83425","643666dc1039021cda7aa5fa","643666dc10390215a17aa5d9","643666dc10390291827aa5c1"],"author":"643666dc103902adf37aaa31","published-date":"2025-10-30T00:00:00.000Z","alt-text":null,"meta-title":"Flutterwave Selects Polygon as Its Default Blockchain for Cross-Border Payments","meta-description":"A multi-year collaboration with Flutterwave brings stablecoin-powered payments to Africa, enabling instant, affordable cross-border transfers for enterprises and individuals.","trending-featured-blog":true,"page-list":["643666dc1039025dab7aa618","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc10390235387aa624","643666dc1039022cb07aa61a","643666dc1039020b147aa628","643666dc10390247b27aa623","643666dc103902b95c7aa616","643666dc1039020fbb7aa622","6683ca5fbc467488db33a3e4","643666dc10390259397aa63c","643666dc10390289187aa61b","643666dc1039024c197aa61f","643666dc10390244df7aa620","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc103902b2527aa61d","643666dc10390236ba7aa617","643666dc10390226d47aa627","643666dc1039025ae87aa63b","643666dc10390258577aa625"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"Flutterwave Selects Polygon as Its Default Blockchain for Cross-Border Payments","slug":"flutterwave-selects-polygon-as-its-default-blockchain-for-cross-border-payments"}},{"id":"69020fd54f98d6a861cb7277","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2026-02-25T06:59:34.690Z","lastUpdated":"2026-02-24T18:48:33.317Z","createdOn":"2025-10-29T13:00:05.275Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"Unlocking instant USDC and USDT payments to bring stablecoin utility at scale","thumbnail-image":{"fileId":"69020f49116940f0fb7db535","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69020f49116940f0fb7db535_DCS_Static_Cover%20(1).png","alt":null},"featured-image":{"fileId":"69020f49116940f0fb7db535","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/69020f49116940f0fb7db535_DCS_Static_Cover%20(1).png","alt":null},"blog-content":"TLDR: DeCard enables global retail stablecoin payments using Polygon infrastructure
DeCard is expanding the use of stablecoins beyond trading and speculation by enabling their use in everyday retail transactions. The solution allows consumers to use stablecoins for payments at physical and digital merchant locations.
The focus of the initiative is merchant usability. Payments are designed to integrate with existing point-of-sale systems so that merchants can accept stablecoin payments without needing to interact directly with blockchain infrastructure.
Consumers can pay using stablecoins such as USDC and USDT when making purchases at supported merchants. The payment experience is designed to feel similar to traditional card or digital wallet transactions while using blockchain settlement in the background.
Merchants do not need to manage wallets, private keys, or onchain operations. Stablecoin payments are handled in a way that allows merchants to receive familiar settlement outcomes while benefiting from faster and more efficient payment rails.
Polygon is already used as blockchain payment rails by major fintech and payment platforms such as Stripe, Revolut, and Mastercard. These integrations demonstrate Polygon’s ability to support real-world payment flows, including stablecoin settlement, merchant payments, and programmable money at scale.
Founded in 2017, Polygon is a battle-tested network operating in production today. Payment systems require reliability and uptime, not experimental infrastructure. Polygon is already supporting live payment use cases for global platforms, making it suitable for retail and merchant transactions.
Polygon enables transaction fees of approximately $0.001 per transaction, making stablecoin payments economically viable for everyday retail purchases, micro-transactions, and high-frequency merchant activity. Low fees are essential for payment systems that operate at global scale.
Polygon provides transaction finality in five seconds or less, supporting near-instant settlement for point-of-sale and merchant payment flows. Fast confirmation is critical for consumer payments, where both merchants and users expect immediate settlement feedback.
Stablecoin payments through DeCard demonstrate how blockchain-based assets can be used for everyday purchases rather than limited to investment or trading contexts.
By integrating stablecoins into merchant payment flows, the initiative helps bridge blockchain technology with real-world commerce, making digital assets more usable for consumers and businesses alike.
Access to more than 150 million merchants globally establishes a foundation for widespread stablecoin usage in retail environments. This scale supports the idea of stablecoins functioning as a mainstream payment method.
Using Polygon as the settlement layer enables payment flows that are faster, more efficient, and scalable for real-world usage, supporting continued expansion of stablecoin payments in global commerce.
DeCard provides payment solutions that enable consumers to use stablecoins for everyday purchases. It connects stablecoin payment flows with merchant point-of-sale systems to support real-world commerce.
Merchants can accept stablecoin payments through DeCard without managing blockchain infrastructure. The payment flow integrates with existing systems so merchants can receive settlement without handling crypto complexity.
The stablecoin payments supported include USDC and USDT, allowing consumers to use widely adopted digital dollars for retail transactions.
Stablecoins offer price stability while enabling fast settlement on blockchain networks. This makes them suitable for payments where volatility and slow settlement are problematic.
Polygon was chosen because it offers low transaction fees, fast settlement, and reliable performance, which are critical for retail-scale payment systems.
DeCard enables stablecoin payments across more than 150 million merchants globally, supporting large-scale adoption of blockchain-based payments in everyday commerce.
","category":"643666dc1039021ce67aa7ff","tags":["67dc12b25b56c7112bd83425","643666dc1039021cda7aa5fa","643666dc1039020df37aa5f6","643666dc1039023bc57aa5c0","643666dc10390215a17aa5d9"],"author":"643666dc103902adf37aaa31","published-date":"2025-10-29T00:00:00.000Z","alt-text":null,"meta-title":"DeCard Unlocks Stablecoin Payments for 150M+ Merchants Globally, Powered by Polygon","meta-description":"DeCard by DCS, a new-generation payment card designed for stablecoin use in the real world, is integrating on Polygon to make stablecoin spending instant and borderless.","trending-featured-blog":false,"page-list":["643666dc10390236ba7aa617","643666dc10390226d47aa627","643666dc10390247b27aa623","643666dc1039025dab7aa618","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc10390235387aa624","643666dc1039022cb07aa61a","643666dc1039020b147aa628","643666dc103902b95c7aa616","643666dc1039020fbb7aa622","643666dc10390289187aa61b","6683ca5fbc467488db33a3e4","643666dc10390259397aa63c","643666dc1039024c197aa61f","643666dc10390244df7aa620","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc103902b2527aa61d","643666dc1039025ae87aa63b","643666dc10390258577aa625"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"DeCard Unlocks Stablecoin Payments for 150M+ Merchants Globally, Powered by Polygon","slug":"decard-unlocks-stablecoin-payments-for-150m-merchants-globally-powered-by-polygon"}},{"id":"6900b98c272234c9e90ccb2a","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2025-12-30T13:31:32.814Z","lastUpdated":"2025-12-29T17:15:22.588Z","createdOn":"2025-10-28T12:39:40.510Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"Institutional-grade quant firm joins forces with Polygon Labs to bring professional market structure, data-driven liquidity, and institutional-grade execution to DeFi","thumbnail-image":{"fileId":"6900b8d1de6bc44e36ebd740","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/6900b8d1de6bc44e36ebd740_Manifold_Static_Cover.png","alt":null},"featured-image":{"fileId":"6900b8d1de6bc44e36ebd740","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/6900b8d1de6bc44e36ebd740_Manifold_Static_Cover.png","alt":null},"blog-content":"Manifold is building DeFi infrastructure on Polygon to bring institutional liquidity standards into onchain markets.
The initiative focuses on capital efficiency, predictable execution, and risk-aware liquidity design for professional participants.
Polygon provides the underlying infrastructure through low-cost transactions, fast settlement, and battle-tested reliability.
Recent Polygon upgrades such as the Rio hardfork, Heimdall v2, and Agglayer make institutional-grade DeFi execution viable at scale.
Decentralized finance has unlocked permissionless markets, but traditional DeFi liquidity models have struggled to meet institutional requirements. Fragmented liquidity, volatile execution, and limited risk controls have prevented professional capital from participating at scale.
Manifold addresses these challenges by introducing DeFi infrastructure designed around institutional liquidity standards. The focus is on enabling onchain liquidity that aligns with how asset managers and professional liquidity providers operate in traditional financial markets.
Institutional liquidity standards prioritize efficient use of capital and predictable execution. In DeFi, this translates to liquidity mechanisms that reduce unnecessary volatility and enable participants to deploy capital with greater confidence.
Institutional participants require liquidity infrastructure that supports structured risk management and governance expectations. Manifold’s design approach incorporates these principles while remaining fully onchain and transparent.
Polygon’s recent protocol upgrades are foundational to making institutional liquidity standards viable onchain.
The Rio hardfork introduced hardened network reliability through the elimination of reorg risk, near-instant finality, and the ability to reach 5,000+ transactions per second. These improvements significantly reduce execution uncertainty for liquidity providers operating at scale.
Heimdall v2 brought sub–5-second finality, enabling real-time settlement for onchain transactions. Faster finality improves execution confidence and aligns DeFi markets with institutional expectations around settlement speed.
Agglayer introduces an interoperable framework that unifies cross-chain liquidity under a single system. This reduces fragmentation and allows capital to move more efficiently across Polygon-connected chains, improving liquidity deployment for institutional participants.
Manifold operates fully onchain while incorporating liquidity design principles familiar to institutional market participants. This approach preserves transparency and programmability while improving execution reliability.
Polygon’s scalability allows liquidity-intensive applications to function without congestion or fee volatility. This supports Manifold’s goal of enabling institutional participation without compromising performance.
Polygon is a widely adopted blockchain for real-world financial infrastructure. Enterprises use Polygon as settlement rails for payments, real-world assets, and programmable money, with deep integrations across major financial and crypto-native platforms.
Founded in 2017, Polygon is battle-tested and operating in production today. It delivers real utility for payments, DeFi, and institutional finance rather than relying on future promises or experimental deployments.
Polygon transaction fees are approximately $0.001 per transaction, making micro-transactions and high-frequency liquidity strategies economically viable. Low fees are essential for institutional liquidity that depends on frequent onchain interactions.
Polygon offers finality in five seconds or less, with near-instant settlement improvements continuing through protocol upgrades. Fast settlement is critical for institutional execution, risk management, and liquidity efficiency.
By combining Manifold’s institutional liquidity design with Polygon’s protocol capabilities, DeFi markets become more compatible with professional capital.
This approach supports deeper liquidity, reduced volatility, and more predictable execution. It signals a shift toward DeFi infrastructure built for sustained real-world usage rather than speculative experimentation.
Manifold provides DeFi infrastructure designed to bring institutional liquidity standards into onchain markets. It focuses on enabling professional and institutional participants to deploy capital using structured liquidity mechanisms.
Institutional liquidity standards emphasize capital efficiency, predictable execution, and risk-aware design. Applying these standards to DeFi helps make onchain markets more suitable for professional participants.
Polygon offers low transaction fees, fast and predictable settlement, battle-tested reliability, and scalability. These characteristics make it suitable for institutional-grade liquidity and onchain financial applications.
Protocol upgrades such as the Rio hardfork and Heimdall v2 improve reliability, finality, and throughput. These enhancements reduce execution risk and support real-time settlement, which are critical for institutional participation.
Agglayer unifies cross-chain liquidity under an interoperable framework. This allows capital to move efficiently across chains, reducing fragmentation and improving liquidity deployment.
No. Institutional liquidity infrastructure remains onchain and transparent. It enhances market structure without removing the open and permissionless properties of DeFi
","category":"643666dc1039027de97aa5fd","tags":["643666dc10390215a17aa5d9","643666dc1039020df37aa5f6","643666dc1039021cda7aa5fa"],"author":"643666dc103902adf37aaa31","published-date":"2025-10-28T00:00:00.000Z","alt-text":null,"meta-title":"Manifold Brings Institutional Liquidity Standards to DeFi on Polygon","meta-description":"Polygon partners with quant firm Manifold Trading to bring institutional execution standards, tighter spreads, and data-backed liquidity to DeFi","trending-featured-blog":false,"page-list":["643666dc10390236ba7aa617","643666dc10390226d47aa627","643666dc10390247b27aa623","643666dc1039025dab7aa618","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc103902b95c7aa616","643666dc10390289187aa61b","643666dc1039020fbb7aa622","6683ca5fbc467488db33a3e4","643666dc10390259397aa63c","643666dc1039024c197aa61f","643666dc10390244df7aa620","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc103902b2527aa61d","643666dc1039025ae87aa63b","643666dc10390258577aa625","643666dc1039020b147aa628","643666dc10390235387aa624"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"Manifold Brings Institutional Liquidity Standards to DeFi on Polygon","slug":"manifold-brings-institutional-liquidity-standards-to-defi-on-polygon"}},{"id":"68f25f0c3e08013c3f50039d","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2025-10-17T15:23:56.625Z","lastUpdated":"2025-10-17T15:23:56.625Z","createdOn":"2025-10-17T15:21:48.514Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"Polygon makes money move at the speed of a DM","thumbnail-image":{"fileId":"68f25ca38b5f6f2fd178cc59","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/68f25ca38b5f6f2fd178cc59_payments%20101.png","alt":null},"featured-image":{"fileId":"68f25ca38b5f6f2fd178cc59","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/68f25ca38b5f6f2fd178cc59_payments%20101.png","alt":null},"blog-content":"tl;dr:
Your money today is stuck in line at the bank.
Sending it across borders means paying high fees and waiting days for settlement—plus the feeling that you have to rely on a string of intermediaries who profit off your hard work.
Now imagine the process without banks, without delays, without enormous fees. That’s the promise of onchain payments—and Polygon is delivering. Send and receive money as easily as a DM.
For the past fifteen years, blockchains have promised peer‑to‑peer finance. But only recently, with a series of payments-focused upgrades for Polygon, has infrastructure matured enough to make real‑time payments feel like the internet.
Stablecoin volumes on Polygon in Q3 hit all time highs, at $3.4B, and volume was up to 287M, a 21% quarter over quarter increase. Institutions and startups alike are betting big on crypto and integrating on Polygon, including Stripe, Revolut, Nexo, Reliance Jio, and BlindPay.
And then there’s Polymarket, the first real breakout crypto app. Built and grown on Polygon, Polymarket alone has seen nearly $20B in predictions volume, is the official prediction market for X, and just raised $2B in funding.
hang it in the louvre https://t.co/p1IhckhBes
— Polygon (@0xPolygon) October 15, 2025
All of this indicates something true: there is real momentum for onchain payments and digitally-native money more broadly. This trend has people wondering: Why payments, why now, and what’s next?
Traditional payment rails weren’t built for a digital, global economy.
Legacy systems batch transactions, rely on closed ledgers, and charge fees that seem invisible until you need to send money across borders. Worse, settlement can take days, meaning funds remain “in transit” and tied up in capital‑inefficient float. For individuals sending remittances or merchants trying to manage cash flow, these frictions are a barrier to true global scale.
Onchain payments on Polygon solve this.
Stablecoins like USDC and USDT0 represent one‑for‑one claims on fiat currency and settle on instantly and irreversibly. When you pay someone on Polygon, the transaction finalizes in seconds and costs fractions of a penny. There are no intermediary banks and no cut‑off times.
BIG! Stripe launches Subscriptions on Polygon!!
— Sandeep | CEO, Polygon Foundation (※,※) (@sandeepnailwal) October 14, 2025
Watch the demo!
PS : Reposted with the video pic.twitter.com/5XHf8PTvpO
Polygon’s ecosystem has grown into one of the largest stablecoin hubs because it combines high throughput with low fees.
Recent upgrades bring the network new dimensions of speed, lightness, and reliability—everything you need in a chain focused on payments and programmable money.
With this foundation, payments on Polygon feel less like a cassette player and more like a streaming platform.
Polygon payment landscape @0xPolygon is actively developing its payment ecosystem, constantly attracting many great projects that are shaping a new vision of the future of finance right now.
— Alex (@obchakevich_) September 24, 2025
And I want you to learn about the most interesting projects today:
Card:
—… pic.twitter.com/nkaO1dDZkq
As Polygon scaled Ethereum, it became a natural gateway for onchain financial activity.
From payments to predictions, Polygon cemented itself as the money rails bringing the next era of digital-native finance.
And core developers leaned in.
Polygon’s biggest payments upgrade went live.
— Polygon (@0xPolygon) October 8, 2025
→ near-instant finality
→ no reorgs
→ lightweight nodes
→ faster rails
Upgrade your money. pic.twitter.com/TYuMr1dMSJ
Bringing the world global payments means a network that is:
Every upgrade to Polygon in the last year is a step to doubling down on these qualities longterm so that as demand scales, so does the infrastructure to meet it.
The Rio upgrade transforms Polygon into a faster, lighter, and more resilient network built for payments at scale. With a new block production model, Polygon can now reach up to 5,000 transactions per second, delivering near-instant finality and eliminating the risk of reorgs entirely. Validators benefit from stateless validation, which makes running lightweight nodes easier and lowers the barrier to entry for securing the network. As payments integrations across Polygon continue to grow, Rio only accelerates the trend—pushing the network closer to its vision of real-time, global money movement.
Rio Upgrade explained in 3 minutes pic.twitter.com/vA1KUbAVG8
— Polygon (@0xPolygon) October 10, 2025
Every upgrade is important to meet surging adoption. The network supports major institutional integrations from Stripe, Polymarket, Reliance Jio, BlindPay, and many others.
For builders and users, the combination of high throughput, low fees, gasless UX and five‑second finality means there’s never been a better time to build on or use Polygon for payments.
Polygon’s ambition doesn’t stop at 5k TPS and near-instant finality.
Polygon’s gigagas roadmap lays out a vision to scale to 100k TPS. Achieving that scale requires rethinking block production and validation, which is why the recent Rio Payments upgrade is such a pivotal moment. Rio introduced a Validator‑Elected Block Producer (VEBloP) model and stateless block validation. Together, these changes boost throughput, eliminate reorgs, and make finality near‑instant.
In other words, Rio makes Polygon faster, lighter and more reliable. Not in some distant future, but right now.
Looking ahead, the combination of Rio, more seamless interop, and the broader gigagas roadmap paves the way for programmable money and real‑world asset (RWA) tokenization at global scale.
With instant finality and ultra‑high throughput, institutions can settle tokenized Treasury bills or equities as quickly as buying a coffee.
AI agents can initiate micropayments on behalf of users, and cross‑chain transactions can occur without liquidity fragmentation.
Polygon’s upgrades create the financial infrastructure that an AI‑powered and digital economy will depend on.
About Polygon Labs:
Polygon Labs is a Web3 software company developing Polygon Proof-of-Stake network, the premiere blockchain for payments and RWAs, and Agglayer, a unified web of chains that feels like the Internet. Polygon is known as the low-cost, high velocity network, with billions secured in stablecoins, supporting a robust payments ecosystem to help grow Agglayer use cases in an interoperable Web3. Research from Polygon Labs has contributed to the development of widely-adopted zero-knowledge technology, with successful, independent projects incubated through the Agglayer Breakout Program, such as Katana, ZisK, Miden, PrivadoID, and more.
Disclaimer:
The information in this post should not be used or considered as legal, financial, tax, or any other advice, nor as an instruction or invitation to act by anyone. Users should conduct their own research and due diligence before making any decisions. Polygon may alter or update any information in this post at its sole discretion and assumes no obligation to publicly disclose any such change. This post is solely based on the information available to Polygon at the time it was published. Polygon makes no guarantee of future performance and is under no obligation to undertake any of the activities contemplated herein. Do your own research and due diligence before engaging in any activity involving crypto-assets. Use or reliance on information in this site is subject to the site’s terms of use [https://polygon.technology/terms-of-use].
","category":"643666dc103902d16a7aa5fe","tags":["67dc12b25b56c7112bd83425","643666dc10390215a17aa5d9","643666dc1039021cda7aa5fa","643666dc1039020df37aa5f6","643666dc103902a4997aa5f9","643666dc1039023bc57aa5c0","643666dc10390291827aa5c1"],"author":"643666dc103902adf37aaa31","published-date":"2025-10-17T00:00:00.000Z","alt-text":null,"meta-title":"Payments 101: Why Polygon is built for money, crypto payments, and onchain finance","meta-description":"Discover how Polygon is transforming payments with near-instant finality, high throughput, low fees, and a roadmap to 100k TPS, powering stablecoin transfers and onchain money","trending-featured-blog":true,"page-list":["643666dc10390236ba7aa617","643666dc10390226d47aa627","643666dc10390247b27aa623","643666dc1039025dab7aa618","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc10390235387aa624","643666dc1039022cb07aa61a","643666dc1039020b147aa628","643666dc103902b95c7aa616","643666dc10390289187aa61b","643666dc1039020fbb7aa622","6683ca5fbc467488db33a3e4","643666dc10390259397aa63c","643666dc1039024c197aa61f","643666dc10390244df7aa620","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc103902b2527aa61d","643666dc1039025ae87aa63b"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"Payments 101: Why Polygon is built for money, crypto payments, and onchain finance","slug":"payments-101-why-polygon-is-built-for-money-crypto-payments-and-onchain-finance"}},{"id":"68e79ca0f359da5a56e895d2","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2025-10-09T11:29:36.537Z","lastUpdated":"2025-10-09T11:29:36.537Z","createdOn":"2025-10-09T11:29:36.537Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"With increasing usage and network updates, POL staking becomes more important than ever","thumbnail-image":{"fileId":"68e79c99358a38cf7f9916c2","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/68e79c99358a38cf7f9916c2_Amina%20(2).png","alt":null},"featured-image":{"fileId":"68e79c99358a38cf7f9916c2","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/68e79c99358a38cf7f9916c2_Amina%20(2).png","alt":null},"blog-content":"AMINA Bank AG, a Swiss FINMA-regulated crypto bank, has become the first bank globally to offer institutional staking services for the Polygon network native POL token.
Institutional investors now have a compliant avenue to participate in the network and earn high-yield staking rewards on Polygon. Staking POL through AMINA will earn 15% yield through a unique partnership with the Polygon Foundation that boosts standard staking rewards.
By establishing a bank-regulated model for earning staking yield on Polygon, AMINA is opening access at a moment when network demand is surging: Polygon leads in everyday payments (less than $100) across all EVM chain, with more than 30% of marketshare; had $3.4B stablecoin supply; and takes the lead in emerging markets with 90% of stablecoin activity.
The AMINA offerings promise to help continue to secure this increased demand of stablecoin payments, secured and validated by POL.
Typically, staking has been the domain of crypto-native organizations or individual token holders. It is the process of validating transactions and providing security in a proof-of-stake network. On Polygon, stakers who do the work earn rewards.
But as institutional adoption of blockchain accelerates, AMINA provides institutional clients native rewards for bringing network security.
AMINA’s clients stake POL through AMINA’s custody stack while meeting SwissKYC/AML and regulatory requirements;.
As a FINMA-licensed Swiss bank (since 2019), AMINA serves asset managers, family offices, pension funds, corporate treasuries, and ultra-high-net-worth individuals under strict compliance of Swiss regulation.
Polygon has become an institutional platform for tokenization and payments, with major banks and asset managers deploying on the network.
It supports ~$3.4 billion in stablecoin supply and leads in micro/small USDC payments, with fees less than $0.01 and ~5s settlement.
Global financial leaders already build on Polygon. Recent integrations by Stripe, Cypher Capital, AlloyX, and more, enable near-instant global payments and access to institutional-grade yield. Apollo and Securitize launched ACRED, tokenized private credit, on Polygon; J.P.Morgan, Franklin Templton, Santander, and governments across the globe (from Wyoming to the City of Lugano) have also chosen to integrate real world assets on Polygon, providing a deep and growing pool of institutional capital.
The network’s performance and cost-efficiency have made Polygon a preferred blockchain for enterprises and financial institutions venturing into tokenization and programmable onchain finance.
POL, the native staking and gas token, secures Polygon.
POL is the upgraded successor to MATIC, introduced as part of a series of upgrades aimed to bring Polygon into a gigagas future. The migration from MATIC to POL is 99% complete.
For now, POL’s primary utility is validating blocks for network security and gas fees, to secure the Polygon PoS chain in exchange for protocol rewards and transaction fees.
AMINA’s boosted POL staking signals the next phase of institutional crypto adoption. Institutions are moving beyond passive exposure and toward active network participation and protocol rewards.
For Polygon, having a regulated bank onboard as a staking provider reinforces its place as an enterprise-friendly chain while broadening Polygon’s security base with professionally managed capital.
As more banks and fintechs follow, expect deeper TradFi-Polygon integrations.
Staking-as-a-service has arrived for regulated banking, starting with POL and AMINA Bank leading the charge.
About Polygon Labs:
Polygon Labs is a Web3 software company developing Polygon Proof-of-Stake network, the premiere blockchain for payments and RWAs, and Agglayer, a unified web of chains that feels like the Internet. Polygon is known as the low-cost, high velocity network, with billions secured in stablecoins, supporting a robust payments ecosystem to help grow Agglayer use cases in an interoperable Web3. Research from Polygon Labs has contributed to the development of widely-adopted zero-knowledge technology, with successful, independent projects incubated through the Agglayer Breakout Program, such as Katana, ZisK, Miden, PrivadoID, and more.
Disclaimer:
The information in this post should not be used or considered as legal, financial, tax, or any other advice, nor as an instruction or invitation to act by anyone. Users should conduct their own research and due diligence before making any decisions. Polygon may alter or update any information in this post at its sole discretion and assumes no obligation to publicly disclose any such change. This post is solely based on the information available to Polygon at the time it was published. Polygon makes no guarantee of future performance and is under no obligation to undertake any of the activities contemplated herein. Do your own research and due diligence before engaging in any activity involving crypto-assets. Use or reliance on information in this site is subject to the site’s terms of use [https://polygon.technology/terms-of-use].
","category":"643666dc1039021ce67aa7ff","tags":["68cc2d0adefad758cac407c3","643666dc1039021cda7aa5fa","643666dc1039020df37aa5f6","643666dc1039023bc57aa5c0","643666dc10390215a17aa5d9"],"author":"643666dc103902adf37aaa31","published-date":"2025-10-09T00:00:00.000Z","alt-text":null,"meta-title":"AMINA Bank Introduces Regulated Polygon (POL) Staking for Institutions","meta-description":"AMINA Bank AG, a Swiss FINMA-regulated crypto bank, becomes the first to offer institutional staking for Polygon’s native POL token. Institutions can now earn up to 15% yield through a compliant, bank-regulated model. As Polygon leads global stablecoin payments and institutional tokenization, AMINA bridges traditional finance and Web3 with secure, onchain rewards.","trending-featured-blog":false,"page-list":["643666dc10390236ba7aa617","643666dc10390226d47aa627","643666dc10390247b27aa623","643666dc1039025dab7aa618","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc10390235387aa624","643666dc1039022cb07aa61a","643666dc1039020b147aa628","643666dc103902b95c7aa616","643666dc10390289187aa61b","643666dc1039020fbb7aa622","6683ca5fbc467488db33a3e4","643666dc10390259397aa63c","643666dc1039024c197aa61f","643666dc10390244df7aa620","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc103902b2527aa61d","643666dc1039025ae87aa63b","643666dc10390258577aa625"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"AMINA Bank Introduces Regulated Polygon (POL) Staking for Institutions","slug":"amina-bank-introduces-regulated-polygon-pol-staking-for-institutions"}},{"id":"68e66afe5b4d7fed8b2b05ae","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2025-10-08T14:25:58.483Z","lastUpdated":"2025-10-08T14:25:58.483Z","createdOn":"2025-10-08T13:45:33.999Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"The Rio hardfork cements Polygon’s position as a global payments network by supercharging speed, reducing costs to run nodes, and eliminating the risk of reorgs with near-instant finality","thumbnail-image":{"fileId":"68e66a1e9e9ebb1e98d50e50","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/68e66a1e9e9ebb1e98d50e50_Rio%20(1).png","alt":null},"featured-image":{"fileId":"68e66a1e9e9ebb1e98d50e50","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/68e66a1e9e9ebb1e98d50e50_Rio%20(1).png","alt":null},"blog-content":"tl;dr:
Today, Polygon takes a major step as the leading global payments chain in web3 with the Rio upgrade, a product-focused network rehaul, now live on mainnet.
Rio makes Polygon a lighter, more reliable, and significantly faster blockchain.
With changes to underlying block production and validation, now it’s easier and lower-cost than ever to participate in the network. Rio enables 5k TPS on the network and makes nodes lightweight, slashing the cost of compute. By removing the risk of reorgs, Rio provides a step function improvement in the reliability of finality.
This upgrade is a turning point. The network is faster, more reliable, and more open for builders, not someday soon, but now.
Each aspect of Rio’s core upgrade is intended to make building and using payments products on Polygon easy and seamless:
Everything institutions, fintechs, and developers need for a global payments solution is ready to go, making the Rio hardfork the most significant step yet in Polygon’s gigagas roadmap.
A network of global payments needs to win on efficiency.
Rio does just that with a new block production architecture called the Validator-Elected Block Producer (VEBloP).
With VEBlop, the network increases throughput by over 3x, reaching ~5k transactions TPS, while also becoming significantly more stable, and reaching finality near-instantly. Here’s how.
Instead of the traditional approach where many validators produce blocks in each span, validators on the network now elect a small pool of validators, each of which produce blocks for a major longer span.
This upgrade fundamentally improves efficiency and makes time to finality near-instant:
The VEBloP model gives the validator community the ability to vote on which node will produce blocks. If an elected producer falters, designated backups can immediately step in to keep blocks flowing.
Rio brings reorgs to an end, with no “do-overs” in chain history, so users and developers can treat a verified block as final instantaneously; transactions are confirmed fast and stay confirmed.
For builders and everyday users, this reliability is a cornerstone needed for any global payments rails.
Importantly, boosting performance doesn’t come at the cost of validator revenue.
To keep incentives aligned under this new paradigm, Rio introduces an updated economic framework so all validators, not just an active block producer, earns a fairer share of fees. Transaction fees (including any MEV revenue) are redistributed between the block proposer and the broader validator set. In other words, even validators running lightweight nodes (thanks to stateless verification) can still participate fully in the network’s rewards without needing high-end hardware.
For payments rails to really take off, enterprises, startups, and developers need to be able to build with ease on a network, query and collect data, and propagate information as quickly as possible.
Polygon just lowered the barrier to participate in the network by making nodes low-cost and lightweight.
Whether you're a global financial institution or a startup, building on Polygon is easy, at a fraction of the cost than before and lower than other networks. Here’s how:
The Rio upgrade implements witness-based stateless block validation (PIP-72).
Polygon is one of the first blockchains to run this architecture on mainnet. In short, stateless block validation lets nodes verify new blocks without storing the entire blockchain state.
The purpose is to be lightweight: enterprises can integrate or build on Polygon without a high barrier to entry, while the network itself propagates data at near-light speed.
Instead of keeping gigabytes of historical data, validators can use succinct cryptographic “witness” proofs to check each block’s correctness. This drastically cuts down storage bloat, speeds up node sync times, and lowers the hardware requirements for participation.
Running a validator becomes much more accessible, potentially allowing, in the future, a broader community of participants to help secure the network. By lowering the barrier to entry, the Polygon ecosystem can attract a larger, more diverse group of payments builders and validator set, potentially strengthening the network’s decentralization and security.
Crucially, stateless validation works hand-in-hand with the VEBloP architecture to virtually eliminate chain reorganizations.
Since all validators, even those not storing the full state, can swiftly validate each block produced, finality is achieved almost instantly.
For institutions, enterprises, and builders, that means greater reliability.
Transactions won’t be reverted after being confirmed, which is critical for use cases like payments where certainty is paramount.
With Rio, Polygon becomes a more reliable, light, low-cost, and fast network for payments—not in a few months, not in a year, but right now. Today.
This upgrade removes key technical obstacles, like reorgs risk and throughput bottlenecks. The result is a blockchain that can handle the world’s payment rails and real-world asset transactions at scale without compromising security or user trust.
By overhauling how blocks are created and verified, the Rio upgrade sets the stage for Polygon PoS to reach ~5,000 transactions per second in the near term. Other optimizations can kick throughput to even higher levels, with increased support for agentic payments.
Even more importantly, Polygon achieves this gain in capacity without sacrificing the network’s security.
For context, “gigagas” refers to Polygon’s long-term scaling vision, which targets performance on the order of tens of thousands of TPS. In earlier upgrades, like the Bhilai hardfork and Heimdall upgrade, Polygon already hit ~1,000 TPS on mainnet.
Rio takes this leap further, bringing more efficiency to Polygon every level.
With a higher per-block gas limit and the new VEBloP + stateless design, Polygon can handle surging demand for global stablecoin payments without slowing down or driving up fees.
Included in the Rio upgrade are three core Polygon Improvement Proposals (PIPs) that detail these changes (you can read the full specifications on the Polygon forum):
Rio’s mainnet debut is a major step toward a future where sending money or assets on Polygon is as fast, reliable, and effortless as using traditional payment networks—but with better capital efficiency, and where markets never sleep.
About Polygon Labs:
Polygon Labs is a Web3 software company developing Polygon Proof-of-Stake network, the premiere blockchain for payments and RWAs, and Agglayer, a unified web of chains that feels like the Internet. Polygon is known as the low-cost, high velocity network, with billions secured in stablecoins, supporting a robust payments ecosystem to help grow Agglayer use cases in an interoperable Web3. Research from Polygon Labs has contributed to the development of widely-adopted zero-knowledge technology, with successful, independent projects incubated through the Agglayer Breakout Program, such as Katana, ZisK, Miden, PrivadoID, and more.
Disclaimer:
The information in this post should not be used or considered as legal, financial, tax, or any other advice, nor as an instruction or invitation to act by anyone. Users should conduct their own research and due diligence before making any decisions. Polygon may alter or update any information in this post at its sole discretion and assumes no obligation to publicly disclose any such change. This post is solely based on the information available to Polygon at the time it was published. Polygon makes no guarantee of future performance and is under no obligation to undertake any of the activities contemplated herein. Do your own research and due diligence before engaging in any activity involving crypto-assets. Use or reliance on information in this site is subject to the site’s terms of use [https://polygon.technology/terms-of-use].
","category":"643666dc103902d16a7aa5fe","tags":["643666dc10390291827aa5c1","643666dc103902a4997aa5f9","643666dc1039021cda7aa5fa","643666dc103902caa97aa5ad","643666dc10390215a17aa5d9","67dc12b25b56c7112bd83425"],"author":"643666dc103902adf37aaa31","published-date":"2025-10-08T00:00:00.000Z","alt-text":null,"meta-title":"Polygon Launches Major Payments Upgrade with Rio: Faster, Lighter, and Easier to Build","meta-description":"Rio makes Polygon a lighter, more reliable, and significantly faster blockchain. With changes to underlying block production and validation, now it’s easier and lower-cost than ever to participate in the network. Rio enables 5k TPS on the network and makes nodes lightweight, slashing the cost of compute. By removing the risk of reorgs, Rio provides a step function improvement in the reliability of finality. ","trending-featured-blog":true,"page-list":["643666dc10390236ba7aa617","643666dc10390226d47aa627","643666dc10390247b27aa623","643666dc1039025dab7aa618","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc10390235387aa624","643666dc1039022cb07aa61a","643666dc1039020b147aa628","643666dc103902b95c7aa616","643666dc10390289187aa61b","643666dc1039020fbb7aa622","6683ca5fbc467488db33a3e4","643666dc10390259397aa63c","643666dc1039024c197aa61f","643666dc10390244df7aa620","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc103902b2527aa61d","643666dc1039025ae87aa63b","643666dc10390258577aa625"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"Polygon Launches Major Payments Upgrade with Rio: Faster, Lighter, and Easier to Build","slug":"polygon-launches-major-payments-upgrade-with-rio-faster-lighter-and-easier-to-build"}},{"id":"68de6696678bc2204303dfed","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2025-11-13T16:44:11.668Z","lastUpdated":"2025-11-13T16:44:11.668Z","createdOn":"2025-10-02T11:48:38.345Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"Custodied by Hong Kong-based Standard Charter Bank, RYT gives users institutional-grade yield with native DeFi capabilities","thumbnail-image":{"fileId":"68de664c017b0e26ed0b4d74","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/68de664c017b0e26ed0b4d74_Alloy%20(1).png","alt":null},"featured-image":{"fileId":"68de664c017b0e26ed0b4d74","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/68de664c017b0e26ed0b4d74_Alloy%20(1).png","alt":null},"blog-content":"Today, AlloyX, Asia’s leading stablecoin service provider, has launched a compliant tokenized money market fund, Real Yield Token (RYT), exclusively on Polygon.
RYT acts as a bridge between regulated liquidity and programmable finance. Users can tap into institutional-grade yield while unlocking the frictionless efficiency of DeFi. Yield generation and risk oversight finally move in sync.
The launch adds momentum to Polygon’s role as the preferred chain for global payments and tokenization. Long-term stability, low cost, and near-instant finality make Polygon stand out as financial markets pivot toward onchain settlement.
RYT is designed for capital efficiency and extracting maximum yield. By looping—supplying tokens as collateral, borrowing against them, and repeating—users can amplify liquidity and returns while staying inside regulatory guardrails. On Polygon, those loops run with minimal fees and high throughput, maximizing both yield and onchain activity.
Hong Kong-based Standard Chartered Bank provides custody and acts as registrar. The fund operates on daily cycles with T+1 settlement, and selected data is published onchain for transparency. Institutional investors get the compliance and auditability they know and expect, paired with DeFi’s speed and composability
During its exclusivity window, Polygon Labs is supporting AlloyX with DeFi integration, technical help, and growth initiatives. After the window of exclusivity passes, Polygon will remain AlloyX’s preferred deployment for expansion.
AlloyX joins a growing roster of institutions and governments building financial applications and payment platforms on Polygon, including Stripe, Franklin Templeton, Apollo, BlackRock, and others reshaping markets through tokenization.
About Polygon Labs:
Polygon Labs is a Web3 software company developing Polygon Proof-of-Stake network, the premiere blockchain for payments and RWAs, and Agglayer, a unified web of chains that feels like the Internet. Polygon is known as the low-cost, high velocity network, with billions secured in stablecoins, supporting a robust payments ecosystem to help grow Agglayer use cases in an interoperable Web3. Research from Polygon Labs has contributed to the development of widely-adopted zero-knowledge technology, with successful, independent projects incubated through the Agglayer Breakout Program, such as Katana, ZisK, Miden, PrivadoID, and more.
Disclaimer:
The information in this post should not be used or considered as legal, financial, tax, or any other advice, nor as an instruction or invitation to act by anyone. Users should conduct their own research and due diligence before making any decisions. Polygon may alter or update any information in this post at its sole discretion and assumes no obligation to publicly disclose any such change. This post is solely based on the information available to Polygon at the time it was published. Polygon makes no guarantee of future performance and is under no obligation to undertake any of the activities contemplated herein. Do your own research and due diligence before engaging in any activity involving crypto-assets. Use or reliance on information in this site is subject to the site’s terms of use [https://polygon.technology/terms-of-use].
","category":"643666dc1039021ce67aa7ff","tags":["65c3cc2de0f8460988e3065d","643666dc1039021cda7aa5fa","643666dc1039023bc57aa5c0","643666dc1039020df37aa5f6","643666dc10390215a17aa5d9"],"author":"643666dc103902adf37aaa31","published-date":"2025-10-02T00:00:00.000Z","alt-text":null,"meta-title":"AlloyX Launches Tokenized Money Market Fund, Real Yield Token (RYT), on Polygon ","meta-description":"AlloyX, Asia’s leading stablecoin service provider, has launched a compliant tokenized money market fund, Real Yield Token (RYT), exclusively on Polygon. ","trending-featured-blog":false,"page-list":["643666dc10390236ba7aa617","643666dc10390226d47aa627","643666dc10390247b27aa623","643666dc1039025dab7aa618","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc10390235387aa624","643666dc1039022cb07aa61a","643666dc1039020b147aa628","643666dc103902b95c7aa616","643666dc10390289187aa61b","643666dc1039020fbb7aa622","6683ca5fbc467488db33a3e4","643666dc10390259397aa63c","643666dc1039024c197aa61f","643666dc10390244df7aa620","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc103902b2527aa61d","643666dc1039025ae87aa63b","643666dc10390258577aa625"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"AlloyX Launches Tokenized Money Market Fund, Real Yield Token (RYT), on Polygon ","slug":"alloyx-launches-tokenized-money-market-fund-real-yield-token-ryt-on-polygon"}},{"id":"68dd0b0f6e44d66e0e1f6055","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2025-10-07T06:20:30.052Z","lastUpdated":"2025-10-01T12:04:06.254Z","createdOn":"2025-10-01T11:05:51.155Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"With new rewards, live titles, and Agglayer integration ahead, Immutable and Polygon are supercharging web3 gaming with new “Gaming on Polygon” hub","thumbnail-image":{"fileId":"68dd0aa6fda8da7470558a33","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/68dd0aa6fda8da7470558a33_immutable%20play%20polygon.png","alt":null},"featured-image":{"fileId":"68dd0aa6fda8da7470558a33","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/68dd0aa6fda8da7470558a33_immutable%20play%20polygon.png","alt":null},"blog-content":"tl;dr
Immutable and Polygon Labs are teaming up to launch a dedicated Gaming on Polygon hub inside Immutable Play, the company’s new destination for players to discover Web3 games.
Gaming on Polygon brings multiple AAA games to life on Polygon PoS. With incentives to onboard and retain players, the hub creates alignment for long-term sustainable growth of web3 gaming on Polygon.
Instead of onboarding games one by one, Immutable can bring new scale to the Polygon gaming ecosystem. Multiple Polygon-powered titles can golive together, with curated quests, leaderboards, and a $100,000 community reward pool.
As two of the biggest gaming ecosystems, Immutable and Polygon offer game devs enterprise-grade tooling, developer support, and all the tools needed to build high-quality gaming experiences with web3-native digital ownership.
This partnership brings more value flowing to games, more gamers returning, and a stronger tie to Immutable zkEVM ahead of its next major milestone: connecting to Agglayer.
With the Gaming on Polygon hub, gamers get access to more games and capture more of the value they create.
Multiple games can debut together, instantly giving players variety and cross-pollinating rewards and quests to keep engagement high.
On day one, Gaming on Polygon will feature five new games alongside platform-wide quests and incentives.
This move is designed not only to bring users in, but also to keep them playing.
Immutable is a web3 gaming behemoth, with over 250,000 monthly active users, more than 5.5 million Passport signups, and $40 million in TVL. A new Polygon-dedicated hub concentrates this expertise on Polygon, leveraging Immutable’s support.
This launch comes as Immutable zkEVMChain prepares to connect to Agglayer, Polygon’s protocol for cross-chain unified liquidity and interoperability. Agglayer’s goal is simple: unify all of crypto into a single environment. Multiple stacks are already supported, with a growing ecosystem of Aggchains.
For players, an Agglayer connection will help assets and gameplay feel seamless across ecosystems. Immutable zkEVM can tap the same network effects of existing chains, like OKX’s X Layer and the GSR- and Polygon Labs-incubated Katana.
Other gaming chains are set to connect to Agglayer, like Moonveil. Agglayer makes it possible for items, currencies, and players to move freely across games, if developers choose to do so, supporting deeper economies and new horizons in game design.
For players, the Gaming on Polygon hub and pending Agglayer connection means access to higher-quality games, more rewards—and in the future, the ability to carry digital ownership across a growing network of titles.
For developers, it means tapping into a massive base of crypto-native users with confidence that games can scale without hitting silos.
Immutable and Polygon are building the connective tissue for web3 gaming, at scale.
","category":"643666dc1039027de97aa5fd","tags":["65d8d2530ad9e43eaed8c231","643666dc1039021cda7aa5fa","643666dc10390280c77aa5f3","643666dc103902a4997aa5f9"],"author":"643666dc103902adf37aaa31","published-date":"2025-10-01T00:00:00.000Z","alt-text":null,"meta-title":"Immutable Teams Up with Polygon Labs to Launch Dedicated Gaming Hub, with Agglayer Connection Coming Soon","meta-description":"Immutable and Polygon Labs are teaming up to launch a dedicated Gaming on Polygon hub inside Immutable Play in the near future, the company’s new destination for players to discover Web3 games. ","trending-featured-blog":false,"page-list":["643666dc10390236ba7aa617","643666dc10390226d47aa627","643666dc10390247b27aa623","643666dc1039025dab7aa618","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc10390235387aa624","643666dc1039022cb07aa61a","643666dc1039020b147aa628","643666dc103902b95c7aa616","643666dc10390289187aa61b","643666dc1039020fbb7aa622","6683ca5fbc467488db33a3e4","643666dc10390259397aa63c","643666dc1039024c197aa61f","643666dc10390244df7aa620","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc103902b2527aa61d","643666dc1039025ae87aa63b"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"Immutable Teams Up with Polygon Labs to Launch Dedicated Gaming Hub, with Agglayer Connection Coming Soon","slug":"immutable-teams-up-with-polygon-labs-to-launch-dedicated-gaming-hub-with-agglayer-connection-coming-soon"}},{"id":"68cc2e5e63a1f2d1882e31e4","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2026-01-13T14:17:22.888Z","lastUpdated":"2026-01-13T14:17:22.888Z","createdOn":"2025-09-18T16:07:58.485Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"Collaboration gives institutional investors in the Middle East exposure to POL","thumbnail-image":{"fileId":"68cc2c7dc86d93a882d89cd1","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/68cc2c7dc86d93a882d89cd1_CypherxPOL_1_2.png","alt":null},"featured-image":{"fileId":"68cc2c7dc86d93a882d89cd1","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/68cc2c7dc86d93a882d89cd1_CypherxPOL_1_2.png","alt":null},"blog-content":"Polygon Labs is collaborating with Cypher Capital, a Dubai-based venture firm at the center of the Middle East’s Web3 economy, to expand regional institutional access to POL.
The initiative brings long-term capital into the Polygon ecosystem. Cypher Capital recently acquired a strategic POL position and will channel institutional capital into POL strategies to improve market liquidity. This makes it easier for limited partners and asset managers to gain exposure to the token.
As part of the collaboration, Cypher Capital will provide institutions exposure to POL, enable yield-generation strategies, strengthen the network’s growth and security, and bring high-touch regional roundtables to address local credibility.
Polygon is building the decentralized, blockchain-based money rails of the future. In recent months, there’s been a surge of network activity:
An increase in network activity comes as Polygon continues to upgrade, becomingthe primer payments chain.
Core developers are executing on Polygon’s GigaGas roadmap, delivering key performance benchmarks: sub-5 second finality for near-instant settlement and 1,500+ TPS throughput for high-volume capacity. More upgrades, like increasing gas limits to boost network throughput, are coming by the end of the year.
Polygon brings the technical maturity and robust future-proof roadmap required to support high-frequency stablecoin settlements, tokenized RWAs, and cross-border capital flows, at institutional scale.
About Polygon Labs:
Polygon Labs is a Web3 software company developing Polygon Proof-of-Stake network, the premiere blockchain for payments and RWAs, and Agglayer, a unified web of chains that feels like the Internet. Polygon is known as the low-cost, high velocity network, with billions secured in stablecoins, supporting a robust payments ecosystem to help grow Agglayer use cases in an interoperable Web3. Research from Polygon Labs has contributed to the development of widely-adopted zero-knowledge technology, with successful, independent projects incubated through the Agglayer Breakout Program, such as Katana, ZisK, Miden, PrivadoID, and more.
Disclaimer:
The information in this post should not be used or considered as legal, financial, tax, or any other advice, nor as an instruction or invitation to act by anyone. Users should conduct their own research and due diligence before making any decisions. Polygon may alter or update any information in this post at its sole discretion and assumes no obligation to publicly disclose any such change. This post is solely based on the information available to Polygon at the time it was published. Polygon makes no guarantee of future performance and is under no obligation to undertake any of the activities contemplated herein. Do your own research and due diligence before engaging in any activity involving crypto-assets. Use or reliance on information in this site is subject to the site’s terms of use [https://polygon.technology/terms-of-use].
","category":"643666dc1039021ce67aa7ff","tags":["643666dc1039023bc57aa5c0","68cc2d0adefad758cac407c3","643666dc1039021cda7aa5fa","67dc12b25b56c7112bd83425"],"author":"643666dc103902adf37aaa31","published-date":"2025-09-18T00:00:00.000Z","alt-text":null,"meta-title":"Polygon Labs & Cypher Capital Bring Institutional POL Access","meta-description":"Polygon Labs partners with Dubai-based Cypher Capital to expand institutional access to POL, channel capital, boost liquidity, and enable yield strategies.","trending-featured-blog":false,"page-list":["643666dc10390236ba7aa617","643666dc10390226d47aa627","643666dc10390247b27aa623","643666dc1039025dab7aa618","643666dc10390241b97aa626","643666dc10390233af7aa619","643666dc10390235387aa624","643666dc1039022cb07aa61a","643666dc1039020b147aa628","643666dc103902b95c7aa616","643666dc10390289187aa61b","643666dc1039020fbb7aa622","6683ca5fbc467488db33a3e4","643666dc10390259397aa63c","643666dc1039024c197aa61f","643666dc10390244df7aa620","643666dc103902415e7aa621","643666dc103902560a7aa61c","643666dc103902d76e7aa61e","643666dc103902b2527aa61d","643666dc1039025ae87aa63b","643666dc10390258577aa625"],"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"Cypher Capital and Polygon Labs Forge Institutional Bridge for POL Access","slug":"cypher-capital-and-polygon-labs-forge-institutional-bridge-for-pol-access"}},{"id":"68c35a72b7a0e72a45cdae0d","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2026-01-13T14:17:45.947Z","lastUpdated":"2026-01-13T14:17:45.947Z","createdOn":"2025-09-11T23:25:38.986Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"Rio is coming to mainnet in October, redesigning the network’s validator set for efficiency and introducing stateless block verification to reduce validator costs and eliminate reorgs","thumbnail-image":{"fileId":"68c360404529c241473e4b5d","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/68c360404529c241473e4b5d_Rio_Testnet%20blog%20cover.jpg","alt":null},"featured-image":{"fileId":"68c360404529c241473e4b5d","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/68c360404529c241473e4b5d_Rio_Testnet%20blog%20cover.jpg","alt":null},"blog-content":"The Rio upgrade was deployed to Polygon’s Amoy Testnet on Thursday, September 11, with mainnet expected in October. This upgrade enables the next steps in Polygon’s GigaGas roadmap, as the network continues to evolve core architecture to meet the needs of global payments and RWAs.
Once the upgrade is deployed on mainnet in October, users won’t need to take any action.
The Rio upgrade sets the stage for Polygon PoS to reach 5,000 TPS. By making validation lighter and nodes easier to run, it opens the door for more validators and fairer participation. Stateless block verification reduces validator costs, supports increased block space by dedicated block builders, and eliminates network reorgs, all while preserving decentralization. The result: a faster, stronger network built for long-term growth.
Included in this upgrade are the following PIPs, which ou can read about in more depth on the Polygon Forum:
PIP-64, “Validator-Elected Block Producer”:
PIP-65, “Economic Model for VEBloP”:
PIP-72, “Witness-Based Stateless Verification”:
VEBloP creates a validator economy designed for speed, reliability, and scale without compromising decentralization. This upgrade unlocks Polygon’s scaling runway by:
To follow along, head to the Polygon Community Forum or join the next Polygon Protocol Governance Call.
With Rio, Polygon evolves into a faster, fairer, and more resilient network. It lays a sustainable foundation for long-term growth: scaling to thousands of transactions per second while staying decentralized, and positioning Polygon as the universal rails for global payments and RWA transactions
","category":null,"tags":["643666dc10390215a17aa5d9","643666dc10390291827aa5c1","643666dc10390230637aa5fc"],"author":null,"published-date":"2025-09-12T00:00:00.000Z","alt-text":null,"meta-title":null,"meta-description":null,"trending-featured-blog":false,"page-list":null,"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"Rio Upgrade Live on Testnet: Polygon Continues to go GigaGas","slug":"rio-upgrade-live-on-testnet-polygon-continues-to-go-gigagas"}},{"id":"68b885218bfe00f46185d75c","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2025-10-07T15:17:20.773Z","lastUpdated":"2025-10-07T15:17:20.773Z","createdOn":"2025-09-03T18:12:49.848Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"MATIC has been upgraded to POL as the network token for Polygon.","thumbnail-image":{"fileId":"68b88332d8385ea67b4c228b","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/68b88332d8385ea67b4c228b_MATICPOL_Complete%20(1).jpg","alt":null},"featured-image":{"fileId":"68b88332d8385ea67b4c228b","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/68b88332d8385ea67b4c228b_MATICPOL_Complete%20(1).jpg","alt":null},"blog-content":"Almost a year following the MATIC to POL upgrade, 99% of the MATIC on the Polygon network has successfully migrated to POL. Since September 2024, every transaction that takes place on Polygon PoS has used POL as the native gas token.
Reminder: for any users still holding MATIC on Ethereum, the Polygon Portal interface provides a 1:1 migration: https://portal.polygon.technology/pol-upgrade
For more insights, see the dashboard: https://dune.com/spaceharpoon/matic-pol-migration
The community-led upgrade not only expanded utility for the native token on the Polygon network, it also opened the door to future utility powering the unified, cross-chain ecosystem of Polygon Labs’ interop solution, Agglayer.
With community consensus, Polygon PoS will connect to Agglayer soon, thereby bringing POL into the broader aggregated network.
At its core, POL is a utility token that, subject to future community consensus, may support additional functionality that goes far beyond securing a single network. These include accruing rewards via staking and eligibility for community airdrops via the Agglayer Breakout Program, which includes projects like Katana, Billions, and Miden. It’s an exciting, future-proof evolution of what utility tokens look and feel like, with the possibility for expanded capabilities.
You can start natively staking POL on Ethereum in just three steps. Help secure the Polygon network, receive a portion of validator rewards, and become eligible for community airdrops.
How to natively stake POL on Ethereum in just three steps. pic.twitter.com/iukUwEHzS6
— Polygon (@0xPolygon) August 5, 2025
In the first phase of the POL migration, POL has succeeded MATIC as the native gas and staking token for Polygon PoS. What happens next is up to the community. You can read more about the “hyperproductive” design of POL in the introduction post.
Here are the details of what the upgrade to POL meant when it began last year:
As Polygon PoS continues to scale payments and RWAs around the globe, the network has a native token that can help secure and support the growth of this vision.
About Polygon Labs:
Polygon Labs is a Web3 software company developing Polygon Proof-of-Stake network, the premiere blockchain for payments and RWAs, and Agglayer, a unified web of chains that feels like the Internet. Polygon is known as the low-cost, high velocity network, with billions secured in stablecoins, supporting a robust payments ecosystem to help grow Agglayer use cases in an interoperable Web3. Research from Polygon Labs has contributed to the development of widely-adopted zero-knowledge technology, with successful, independent projects incubated through the Agglayer Breakout Program, such as Katana, ZisK, Miden, PrivadoID, and more.
Disclaimer:
The information in this post should not be used or considered as legal, financial, tax, or any other advice, nor as an instruction or invitation to act by anyone. Users should conduct their own research and due diligence before making any decisions. Polygon may alter or update any information in this post at its sole discretion and assumes no obligation to publicly disclose any such change. This post is solely based on the information available to Polygon at the time it was published. Polygon makes no guarantee of future performance and is under no obligation to undertake any of the activities contemplated herein. Do your own research and due diligence before engaging in any activity involving crypto-assets. Use or reliance on information in this site is subject to the site’s terms of use [https://polygon.technology/terms-of-use].
","category":null,"tags":["643666dc10390215a17aa5d9","65d8d2530ad9e43eaed8c231","643666dc1039023bc57aa5c0","643666dc1039021cda7aa5fa"],"author":null,"published-date":"2025-09-03T00:00:00.000Z","alt-text":null,"meta-title":null,"meta-description":null,"trending-featured-blog":false,"page-list":null,"blog-external-link":null,"show-first":false,"page-view":null,"faqs":null,"faq-question-1":null,"faq-answer-1":null,"faq-question-2":null,"faq-answer-2":null,"faq-question-3":null,"faq-answer-3":null,"faq-question-4":null,"faq-answer-4":null,"name":"MATIC to POL Migration Is 99% complete. Everything You Need to Know.","slug":"matic-to-pol-migration-is-99-complete-everything-you-need-to-know"}},{"id":"68af23450133476c8d9f0a7e","cmsLocaleId":"653ad961e882f528b35cfc28","lastPublished":"2025-08-27T16:36:46.640Z","lastUpdated":"2025-08-27T16:36:46.640Z","createdOn":"2025-08-27T15:24:53.541Z","isArchived":false,"isDraft":false,"fieldData":{"subheading":"The upgrade also brings XAUT0 to Polygon","thumbnail-image":{"fileId":"68af229e0133476c8d9e7a64","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/68af229e0133476c8d9e7a64_Polygon_x_USDT0.png","alt":null},"featured-image":{"fileId":"68af229e0133476c8d9e7a64","url":"https://cdn.prod.website-files.com/637e2b6d602973ea0941d482/68af229e0133476c8d9e7a64_Polygon_x_USDT0.png","alt":null},"blog-content":"tl;dr
The community asked. We shipped.
Tether’s stablecoin on Polygon has been upgraded from USDT to Polygon-native USDT0, the omnichain deployment of USDT. Users don’t need to take any action. The upgrade simply provides lower fees and better liquidity.
Before the migration, USDT was bridged via Polygon Proof-of-Stake as a child asset. Instead of a native token on Polygon, USDT pointed to an address on Polygon’s bridge.
By contrast, Polygon-native USDT0 is deployed directly on the network. This simplifies transactions and deepens liquidity in a growing stablecoin and payments ecosystem:
The USDT0 migration joins native USDC by Circle that picked up steam last year, better positioning Polygon as the premier destination for payments.
Under the hood, the upgrade disabled the Polygon bridge contract address for USDT. Now, the Polygon Portal cleanly routes future flows to USDT0’s canonical bridge. Additionally, this step has shipped native XAUT0, the omnichain version of Tether Gold (XAUt), on Polygon, too, for a wider variety of native assets that bring deeper liquidity and more options.
Polygon’s recent upgrades on the road to going gigagas (100k transactions per second) bring new levels of speed and finality.
With ~5s settlement, 2s blocktimes, robust support for new levels of account abstraction, plus 1000 TPS with 5000 incoming—Polygon is purpose-built to support onchain payments and real-world assets at internet scale.
Polygon leads in peer-to-peer micropayments (under $1K) across every chain, and ranks second in midsized payments ($1-10K). With stablecoin dominance picking up speed, native USDT0 continues the forward acceleration of a payments behemoth.
The USDT0 upgrade on Polygon prepares the system for Agglayer-integration and broader multichain asset support, later this year.
Stay tuned and sail away: more shipping incoming.
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