Polygon Moves Toward Becoming a U.S. Regulated Payments Platform

Polygon is taking a decisive step toward regulated, real-world payments in the United States, announcing plans to become a U.S.-regulated payments platform through the acquisition of Coinme & Sequence. The move brings licensed fiat on off ramps, embedded wallets, & crosschain transaction orchestration directly into what Polygon is calling the Polygon Open Money Stack.

The strategy signals Polygon’s ambition to move beyond blockchain infrastructure into a vertically integrated financial stack designed for banks, fintechs, enterprises, & consumer applications with a focus on regulated, instant money movement.

• Regulated Money Movement Across 48 U.S. States
• Abstracting Complexity With Embedded Wallets & Crosschain Payments
• The Polygon Open Money Stack
• Why This Matters

Regulated Money Movement Across 48 U.S. States

Coinme operates as a licensed money transmitter across 48 U.S. states & maintains a network of 50,000+ fiat-to-crypto retail locations, giving Polygon immediate access to compliant U.S. payment rails at national scale. Coinme also brings a licensed wallet infrastructure & enterprise-ready APIs that allow Web2 & Web3 companies to offer crypto trading, custody, & fiat on off ramps without building regulatory compliance from scratch.

Its existing enterprise customers include Exodus, Coinstar, & Baanx, alongside more than one million users of the Coinme payments app. Coinme is backed by Pantera Capital, Digital Currency Group, Coinstar, Circle Ventures, & MoneyGram, highlighting its deep ties to both traditional finance & crypto-native ecosystems.

Abstracting Complexity With Embedded Wallets & Crosschain Payments

The acquisition of Sequence adds a critical usability layer. Sequence focuses on abstracting blockchain complexity away from end users through embedded wallets with enterprise-grade security & seamless onboarding.

A key component of the deal is Trails, a one-click crosschain orchestration & intents engine that manages bridging, swaps, & gas behind the scenes. For users, this enables crosschain transactions without requiring an understanding of blockchain mechanics.

Sequence is backed by Brevan Howard Digital, Initialized, Coinbase, Polychain, Consensys, Take-Two Interactive, Ubisoft, & BITKRAFT, with its tooling already used across Polygon, Immutable, Monad, Arbitrum, Magic Eden, & Soneium.

BREAKING: Polygon to become U.S. regulated payments platform

We’re acquiring Coinme and Sequence to move all money onchain.
→ Regulated money movement in 48 states
→ Fiat on/off ramps
→ 50,000 fiat-to-crypto locations in the U.S.
→ Easy onboarding with wallet infra
→… pic.twitter.com/lwvLheEc3P

— Polygon | POL (@0xPolygon) January 13, 2026

The Polygon Open Money Stack

Together, Polygon’s blockchain rails, Coinme’s regulated payments infrastructure, & Sequence’s wallet & crosschain capabilities form the Polygon Open Money Stack, a single, vertically integrated system designed for fast, compliant, onchain money movement.

Polygon describes the stack as infrastructure for enterprises integrating crypto payments, fintechs seeking programmable settlement layers, & developers building consumer apps with simple onboarding & one-click transactions. The stated vision is to enable money to move seamlessly from bank accounts to wallets, across blockchains, & into applications without fragmentation between custody, compliance, payments, & user experience.

Why This Matters

Rather than treating regulation as an external constraint, Polygon is embedding compliance directly into its payments architecture particularly in the U.S., where licensing & regulatory clarity remain major adoption barriers. By internalizing regulated on off ramps & wallet infrastructure, Polygon reduces dependence on third-party providers while offering enterprises a unified system for moving fiat & crypto across chains.

This could accelerate real-world use cases such as merchant payments, remittances, tokenized assets, & onchain financial products. The move also positions Polygon as a bridge between traditional finance & blockchain networks at a time when onchain settlement & programmable money are gaining institutional attention.

Polygon has opened early access for builders interested in developing on the Open Money Stack, signaling a phased rollout rather than a single launch event. If successful, the Polygon Open Money Stack could serve as a reference model for how blockchain networks integrate compliance, usability, & infrastructure without sacrificing developer flexibility.

If you find any issues in this blog or notice any missing information, please feel free to reach out at yash@etherworld.co for clarifications or updates.

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