Polygon Labs Launches Open Money Stack to Bridge Fiat and Onchain Settlement

Polygon Labs has unveiled the Open Money Stack, a new set of rails designed to support regulated stablecoin payments and close the infrastructure gap between wallets, fiat access, routing and orchestration, compliance and onchain settlement.

The launch comes as stablecoins increasingly function as a global settlement layer, even as the surrounding infrastructure remains fragmented and difficult to scale without recreating closed financial networks.

Polygon Labs says the Open Money Stack is intended to act as the “missing plumbing” that allows money to move seamlessly between offchain and onchain systems, enabling instant, reliable transfers while preserving regulatory controls and interoperability.

Timed With Regulatory and Institutional Momentum

The announcement follows recent moves by Visa to expand USDC settlement in the United States, allowing participating banks to settle obligations using stablecoins.

It also coincides with a broader wave of regulatory normalization in the U.S., including approvals by the Office of the Comptroller of the Currency for national trust bank charters for crypto and stablecoin firms.

At the same time, onchain activity is accelerating. Stablecoin supply on Polygon has reached a three-year high of $3.3 billion, underscoring the network’s growing role as a preferred settlement layer for fintechs and institutions seeking faster, programmable money movement.

Polygon’s Long-Term Vision for Money

In a joint vision statement, Sandeep Nailwal, founder of Polygon, and Marc Boiron, CEO of Polygon Labs, argue that money is undergoing a transformation similar to information’s shift with the advent of the internet. “For most of history, information and money were limited by geography, time, and people,” they wrote. “We freed information first with the internet. Money is next.”

Polygon began as a high-performance blockchain focused on scalability, but the broader goal has always been to enable assets to move anywhere, anytime, to anyone.

Over the past six years the Polygon Chain has facilitated more than $2 trillion in onchain value transfer, giving the team operational insight into what it takes to run blockchain systems at global scale.

Inside the Open Money Stack

The Open Money Stack combines blockchain rails with onchain and offchain orchestration, wallet infrastructure, indexers and RPCs, on- and off-ramps, stablecoin interoperability, compliance tooling, identity, and onchain earning.

For businesses, the stack is designed to offer a single integration that supports customer onboarding from fiat to stablecoins, cross-chain transfers, and a full onchain financial experience, including yield and card programs.

Polygon says many components are already live or available through partnerships, with additional capabilities rolling out in the coming months.

From Vision to Execution

According to Polygon Labs, the coming weeks will mark a shift from vision to execution, with several initiatives planned across payments, compliance, and onchain money primitives.

The goal is to make money movement simple, keep funds onchain, and define how money moves over the next three decades.

“The future belongs to those who see possibilities before they become obvious,” the founders wrote, positioning the Open Money Stack as a foundational layer for the next era of global money movement.