TL;DR
- Polygon Labs introduced Open Money Stack, a modular framework for stablecoin payments and cross-border transfers, scheduled to launch in 2026.
- The system operates across multiple blockchains and allows institutions and fintech firms to integrate onchain settlement, fiat access, and regulatory control modules.
- Open Money Stack unifies liquidity, payment orchestration, and blockchain settlement rails, removes token swaps and cross-chain bridges, and reduces reliance on multiple providers.
Polygon Labs introduced Open Money Stack, a modular framework focused on stablecoin payments and cross-border value transfers. The system was announced on January 8, with a launch planned for later in 2026. The proposal aims to unify the core components of the payments stack within an interoperable and configurable infrastructure.
Open Money Stack is designed to operate across multiple blockchains. The model allows financial institutions, fintech firms, and developers to integrate only the modules they need, without adopting a closed network or relying on a single provider. Polygon stated that the objective is to enable onchain settlement, fiat access, and regulatory compliance within a single architecture.
The framework groups functions that are typically handled through separate services. It includes liquidity management, payment orchestration, blockchain settlement rails, and regulatory controls. Polygon said this integration is intended to reduce operational complexity and remove the need to coordinate multiple providers to execute international stablecoin payments.
Polygon Will Unify All the Tools to Move Stablecoins Across Borders
The design of Open Money Stack reduces the technical complexities commonly associated with crypto payments. Transfers can be executed without token swaps or cross-chain bridges. Each company can build payment flows tailored to its operational and regulatory requirements, while maintaining connectivity with other systems and blockchains.
The launch will align with the growing use of stablecoins in cross-border payments. At the same time, banks and traditional financial providers continue to develop products linked to tokenized money. Open Money Stack is positioned as an infrastructure layer for these flows, aimed at institutional-scale operations.
Standardizing Payment Construction
According to Polygon Labs, the system aims to standardize the construction of stablecoin payments without imposing a single model. The goal is to concentrate all critical functions within a common stack while preserving a high degree of flexibility in implementation.
Sandeep Nailwal, founder of Polygon, said the initiative seeks to move money onchain in an open and interoperable way. Open Money Stack could become a core piece of the foundational infrastructure for the future of international stablecoin payments
