Hello r/CryptoCurrency,

We (Polygon) are here to share our vision for the Open Money Stack: an open and integrated stack of services and technologies designed to move money instantly and reliably anywhere.

For most of history, information and money were constrained by geography, time, and intermediaries. We freed information first with the internet. Money is next.

Today, money movement is still slow, expensive, fragmented, and uncertain. Settlement can take days. Fees are unpredictable. Cross-border flows route through layers of intermediaries. The Open Money Stack is Polygon’s approach to rebuilding this from the ground up so money can move like information: instant, global, and programmable.

What the Open Money Stack is

The Open Money Stack brings together the components needed to make onchain money usable in the real world, end to end, in one integrated system:

• Blockchain rails for high-throughput, low-cost settlement
• Wallet infrastructure and orchestration that makes sending money feel effortless
• Indexers and RPCs for production-grade reliability
• On-ramps and off-ramps to bridge existing financial systems with onchain rails
• Stablecoin and onchain money interoperability so senders and recipients don’t need to coordinate formats
• Compliance, onchain identity, and money movement primitives built for scale
• Onchain earning, so idle money can earn yield instead of sitting dormant

The goal is simple: once money comes onchain, it should be able to stay onchain, move freely, and integrate directly into applications and financial services.

https://preview.redd.it/7xhybtwj75cg1.png?1920&format=png&auto=webp&s=00eb42772020e637241e0d0f25deecfd4bd2597c

Read more here: https://polygon.technology/launch/build-with-oms?utm_source=reddit&utm_medium=owned_social&utm_campaign=build-with-oms

Why now

Roughly $2 quadrillion moves through global payment systems every year. This is one of the most competitive markets on earth, and incumbents will fight hard to defend it. But the shift to onchain money is structural, not incremental.

While the full migration will take time, the systems that define how it works will be set in the next few years. This is the window where foundational infrastructure gets chosen.

Polygon has spent the last six years building production-grade infrastructure used by millions of users and thousands of applications, facilitating trillions in onchain value transfer. The Open Money Stack is how we move from rails to a complete, integrated money experience.

What happens next

In the coming weeks, we’ll move decisively from vision to execution. You’ll see announcements that expand Polygon’s capabilities across payments, orchestration, compliance, and onchain money primitives.

The stack is rolling out in phases and we’re looking for design partners that are interested in accessing new components early, collaborating with the core team, and helping define the future of money movement: https://info.polygon.technology/get-early-access?utm_source=reddit&utm_medium=owned_social&utm_campaign=build-with-oms

https://preview.redd.it/ejq481ep75cg1.png?1920&format=png&auto=webp&s=7b0df91e4b28c05c6c943f465141c77717523150

AMA next week

We’ll be doing an AMA next week in r/CryptoCurrency to answer questions directly and go deeper on what we’re building, why we’re building it, and how it fits into Polygon’s roadmap.

In the meantime, drop your initial thoughts and questions here. We’ll be reading.