Polygon (MATIC) Labs Unveils Open Money Stack Architecture for Enterprise Stablecoin Payments

Alvin Lang
Feb 27, 2026 20:45

Polygon (MATIC) Labs has provided an in-depth technical breakdown of the Open Money Stack, showcasing a revolutionary approach to stablecoin infrastructure.

Polygon (MATIC) Labs recently unveiled the technical details of its Open Money Stack architecture, which integrates blockchain settlement, wallet infrastructure, and regulated fiat access to streamline enterprise stablecoin payments.

The announcement, dated February 27, 2026, follows the launch of the Open Money Stack initiative on January 8, signaling Polygon’s commitment to providing advanced stablecoin solutions for businesses.

Comprehensive Solution for Stablecoin Payments

The Open Money Stack addresses the challenges faced by payments teams in managing stablecoin flows, particularly the complexities of vendor fragmentation. By consolidating various components into a single API, Polygon aims to simplify and enhance the stability of stablecoin transactions.

The architecture comprises four key layers:

• Settlement: Polygon Chain facilitates rapid transaction processing with low fees, boasting a track record of moving over $2.3 trillion in stablecoin volume. Notable integrations with leading financial entities enhance the network’s efficiency.
• Wallets: Smart contract wallets offer secure and user-friendly access to funds, supporting both custodial and non-custodial options with advanced access controls.
• Fiat Access: The pending acquisition of Coinme will enable seamless integration of traditional banking rails, providing regulatory compliance and extensive reach across the United States.
• Cross-Chain Orchestration: Agglayer and Trails facilitate seamless routing across multiple blockchain networks, ensuring interoperability and efficiency in cross-border transactions.

Enhancing Operational Efficiency

Polygon’s integrated approach aims to streamline operations and reduce the complexity associated with managing multiple vendors. By offering a vertically integrated stack, businesses can minimize integration points and enhance overall operational efficiency.

The flow of transactions involves regulated fiat onboarding, secure wallet settlement, cross-chain routing, rapid processing on Polygon, and seamless off-ramping to local currencies through compliant infrastructure.

Enterprises have the flexibility to choose specific components or opt for the complete stack, catering to their unique requirements and preferences.

Future Prospects and Deployment

Early access to the Open Money Stack is now available for enterprises seeking to explore production-grade stablecoin infrastructure. The regulatory approval of the Coinme acquisition will determine the timeline for full fiat rail integration in the U.S. market.

For payment teams seeking a robust and reliable solution, Polygon’s innovative approach offers a promising alternative to traditional vendor stacks. The scalability and efficiency of the system will be tested as transaction volumes increase, highlighting its potential in the competitive landscape of stablecoin payments.

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