Polygon launches Open Money Stack: Modular infrastructure for stablecoin payments is here

Polygon Labs announces the launch of “Open Money Stack,” a new modular framework dedicated to simplifying cross-border payments based on stablecoins. The framework is expected to be released later in 2026 and is designed to work across multiple blockchains, providing customized payment infrastructure for financial institutions and fintech companies.

Core Design of Open Money Stack

Open Money Stack adopts a modular architecture, integrating key components necessary for stablecoin payments. According to the latest news, the framework includes three core functional modules:

• On-chain Settlement: Provides transaction confirmation and fund transfer at the blockchain layer
• Fiat Access: Connects to traditional financial systems, enabling exchange between stablecoins and fiat currencies
• Compliance Tools: Built-in regulatory compliance features to meet financial regulatory requirements in different regions

The advantage of this modular design lies in flexibility. Financial institutions can choose which components to integrate based on their needs, rather than adopting a fixed solution, significantly lowering the entry barrier.

Why This Matters

The long-standing issue with stablecoin cross-border payments is fragmentation. Different chains, different stablecoins, and various compliance frameworks operate independently, requiring financial institutions to adapt to each one when implementing cross-border payment solutions. The emergence of Open Money Stack changes this situation.

By providing a unified framework, Polygon offers a standardized option for financial institutions. This not only reduces technical integration costs but also, more importantly, addresses regulatory risks through built-in compliance tools that are of greatest concern to financial institutions.

Ecosystem Background: What is Polygon Doing

This move reflects a broader strategic adjustment by Polygon Labs. According to the latest news, Polygon’s privacy blockchain project Miden has been spun off from Polygon Labs, focusing on privacy protection and edge computing. Meanwhile, the launch of Open Money Stack represents a key layout in payment infrastructure.

This indicates that Polygon is evolving from a “universal public chain” toward multiple specialized directions. Miden focuses on privacy, while Open Money Stack targets payments. This diversification strategy allows each project to concentrate on its core competencies.

Future Highlights

The actual value of Open Money Stack depends on two factors. First, the timing of release and the completeness of its features—the framework needs to be truly usable and implementable. Second, the acceptance by financial institutions—the traditional finance sector’s attitude toward stablecoins is still evolving, and the framework must meet strict compliance requirements to gain institutional recognition.

From the current policy environment, regulatory frameworks for stablecoins are gradually improving worldwide. If Open Money Stack can be launched within this window and provide genuinely compliant solutions, it is likely to become an important infrastructure for stablecoin payments.

Summary

Polygon’s launch of Open Money Stack essentially aims to build a standardized infrastructure for stablecoin payments. Through modular design and built-in compliance tools, it lowers the entry barriers for financial institutions. This move, along with the spin-off of Miden, reflects a strategic restructuring of the Polygon ecosystem—from a comprehensive platform to a more specialized approach. The true value of the framework will need to be validated through its official release and practical application within the year.