Solana Joins Polygon’s Open Money Stack for Seamless Payments

Polygon has integrated Solana into its Open Money Stack, allowing businesses to connect bank deposits, stablecoin transfers, and global payouts through a single payment infrastructure. The expansion gives companies building on Solana access to Polygon's banking connections, wallet services, and cross-chain routing without requiring them to move their operations to another blockchain.

Announced on October 29, 2026, the integration supports bank transfers, card payments, cash, and cryptocurrency deposits. Businesses can hold stablecoins in Solana wallets, transfer assets across supported networks, and send payouts to bank accounts, cards, cash services, or cryptocurrency wallets.

The cross-chain payment infrastructure connects Solana with Polygon, Ethereum-compatible networks, and TRON. Cross-border payments company Kira is among the first businesses using the integration to convert stablecoins into US dollars for supplier payments.

The announcement also highlights a change in the relationship between the two blockchain ecosystems. Polygon co-founder Sandeep Nailwal reflected on how he might have opposed using Solana for payments six years ago, while both teams now prioritize making on-chain money movement easier for businesses.

How Polygon's Open Money Stack integrates Solana

Polygon's Open Money Stack is designed to connect traditional payment systems with blockchain-based financial infrastructure.

Before this integration, businesses building on Solana could need separate providers for fiat deposits, customer accounts, wallets, cross-chain transfers, and withdrawals to traditional bank accounts. Managing these services independently can increase development work and operational complexity.

The Solana integration brings these capabilities together through Polygon's payment infrastructure and API.

Businesses can now:

• Accept payments: Receive money through bank transfers, cards, cash, or cryptocurrency.
• Convert currencies: Move between fiat currencies and supported cryptocurrencies, including stablecoins on Solana.
• Manage wallets: Create and manage custodial or embedded Solana wallets for customers.
• Route cross-chain transfers: Move supported assets between Solana, Polygon, TRON, and other supported networks.
• Process payouts: Send funds to bank accounts, cards, cash services, or cryptocurrency wallets.

Polygon's Trails routing infrastructure handles cross-chain transfers, allowing businesses to move supported assets without requiring customers to manage bridges themselves.

For example, a payment application can receive USDC from an Ethereum wallet, route the funds through the infrastructure, and settle the payment in SOL for a Solana-based recipient. The customer interacts with the payment application rather than managing the underlying blockchain transfer.

Importantly, this integration does not merge Solana and Polygon or replace their respective networks. Businesses can continue using Solana as their settlement layer while accessing Polygon's payment and banking infrastructure.

Kira uses the integration for international supplier payments

Kira is among the first businesses adopting the Solana expansion.

The cross-border payments company helps fintechs and businesses access US dollar accounts and stablecoin-based payment services. Its use case demonstrates how blockchain transfers can connect with conventional banking requirements.

Kira already uses Solana to move stablecoins. Through Polygon's Open Money Stack, it can connect those transfers with dollar conversion and banking services, allowing its customers to pay overseas suppliers in US dollars.

This addresses an important challenge for businesses using stablecoins internationally. Moving funds between blockchain wallets is only one part of a payment. Companies also need ways to receive traditional currency, convert it into digital assets, manage customer balances, and ultimately deliver funds through local banking networks.

The integration aims to connect those steps without requiring businesses to build separate relationships with multiple infrastructure providers.

For companies making international supplier payments, this could simplify the process of using stablecoins for transfers while retaining access to traditional financial systems.

Polygon and Solana move beyond their blockchain rivalry

The announcement is notable because Polygon and Solana have historically competed for developers, users, and ecosystem activity.

Their relationship has also included public disagreements over network adoption and competitive positioning. Sandeep Nailwal reflected on this history, suggesting that six years ago he would have argued against using Solana for payments. Today, the two ecosystems are working toward a shared goal of making on-chain payments easier for customers.

The change reflects a broader development in the blockchain industry. Businesses increasingly want access to multiple networks rather than being restricted to one ecosystem.

Polygon's approach is to provide payment infrastructure that works across different blockchains. Solana, meanwhile, brings an established stablecoin ecosystem and high transaction activity that businesses can use for settlement.

The partnership does not mean the two networks are abandoning competition. Instead, it shows that payment infrastructure can connect different blockchain ecosystems when doing so provides a practical benefit to businesses.

Why Solana's stablecoin activity matters to Polygon

Solana's growing stablecoin activity is an important reason for the integration.

According to the Solana Foundation's figures cited in the announcement, the network processed more than $5.5 trillion in stablecoin volume during 2026. This activity makes Solana an important settlement environment for businesses looking to build payment applications around stablecoins.

We previously reported that Solana recorded 557 million stablecoin transfers in September, up 33% from August.

The growth is also part of a broader expansion in stablecoin payments. Our earlier report, Stablecoin payments hit $482 billion in 2026 as Solana chases smaller transfers, highlighted the increase in payment activity and the growing importance of lower-cost blockchain transactions.

For Polygon, supporting Solana means its Open Money Stack can reach businesses already operating on a network with substantial stablecoin activity.

The strategy also follows Polygon's expansion into TRON. Earlier this month, Polygon added TRON support for cross-border transfers and stablecoin payments, bringing another major stablecoin ecosystem into its payment infrastructure.

Together, these integrations position Open Money Stack as a multi-chain payment platform rather than a service limited to Polygon's own blockchain.

Polygon's banking infrastructure adds another layer

Connecting blockchain networks is only one part of the payment process. Businesses also need regulated fiat access and the infrastructure to move money between bank accounts and digital assets.

Polygon has been expanding this side of its business through its acquisition of Coinme.

The acquisition, completed on October 14, gave Polygon's US payments business access to 37 state-level money transmitter licenses and 11 applicable exemptions, covering 48 states.

As covered in our article on Polygon closing its Coinme deal and gaining 48-state payments coverage, the acquisition adds established fiat-to-crypto conversion infrastructure and regulatory capabilities to Polygon's broader payment strategy.

These capabilities help connect stablecoin transfers with traditional financial services. However, licensing coverage does not remove the compliance obligations of businesses using the platform. Services remain subject to applicable regulatory requirements.

What the Polygon-Solana integration means for stablecoin payments

The Solana expansion highlights a shift toward blockchain-independent payment infrastructure.

Businesses may prefer one network for its transaction costs, another for its stablecoin liquidity, and traditional banking systems for receiving or distributing fiat currencies. Requiring them to choose only one blockchain can limit how their payment products operate.

Polygon's Open Money Stack attempts to solve this problem by connecting those systems behind a unified integration.

For fintechs, remittance companies, marketplaces, and payment platforms, this could reduce the technical work required to build cross-border payment services. Customers can use bank accounts, stablecoins, and cryptocurrency wallets without needing to understand the blockchain infrastructure handling each transfer.

However, broader adoption will depend on actual transaction volumes, integration costs, supported payment markets, and the reliability of the underlying banking and blockchain services.

The partnership also raises an important question for the wider crypto industry: whether businesses will increasingly choose payment infrastructure based on accessibility and interoperability rather than loyalty to a particular blockchain.

For now, Polygon's integration with Solana is another step toward connecting stablecoins with traditional banking systems and making cross-chain payments easier to use.