Polygon Labs has officially unveiled the Open Money Stack, a comprehensive infrastructure suite designed to power regulated stablecoin payments and streamline cross-border transfers. Announced on January 8, 2026, this modular platform aims to bridge the persistent gap between onchain and offchain financial systems, creating a unified framework for global money movement.
The Open Money Stack integrates several critical components into a single, open framework. These include orchestration tools, compliance systems, wallet interfaces, and cross-chain settlement capabilities. The goal is to enable developers and businesses to onboard users from fiat, move money seamlessly across different blockchains, and embed advanced financial services like yield earning and card programs directly into their applications.
This launch coincides with significant momentum in the stablecoin sector. Polygon Labs highlighted that the total stablecoin supply on the Polygon network has surged to a three-year high of $3.3 billion, signaling robust demand. Furthermore, the announcement follows major industry developments such as Visa's expansion of USDC settlement capabilities for participating U.S. banks and regulatory progress from the Office of the Comptroller of the Currency (OCC), which has approved new national trust bank charters for crypto entities.
Polygon co-founder Sandeep Nailwal and CEO Marc Boiron articulated a bold vision in a joint statement, declaring, "We freed information first with the internet. Money is next." They positioned the Open Money Stack as core infrastructure for future financial networks, aiming to make digital money movement seamless for consumers, businesses, and even AI agents. The company boasts extensive experience, having processed over $2 trillion in onchain value transfers since its launch.
Many components of the stack are already live or available through partnerships, with more capabilities slated to roll out in the coming months. The platform is designed to offer a "rampless" experience, abstracting away complexities like gas fees and cross-chain conversions to make sending and receiving money a "one tap" operation. Polygon Labs envisions the Open Money Stack becoming the TCP/IP protocol equivalent for money, fostering an open, interoperable financial ecosystem for the next thirty years.
