Polygon is Building A Unified Open Stack for Neoconnectivity

A Single API for Full-Service Blockchain Banking

Polygon (@0xPolygon) co-founder and CEO @Sandeepnailwal has outlined an ambitious push to give neobanks a complete blockchain payments infrastructure through a single integration point. In a post on X, Nailwal described the vision plainly: "Imagine how easy it would be for neobanks to get every capability from a single open stack. Wallets, ramps, crosschain routing, compliance, settlement in one API. That is what we are building."

The initiative is part of Polygon's broader Open Money Stack, a unified infrastructure designed to fix problems in global payments such as delays, high fees, and complicated settlement steps. The stack has four main layers: wallets to store money, on and off-ramps to move between crypto and fiat, cross-chain payment routing, and settlement.

The Open Money Stack is being built to slot into existing infrastructure, not replace it. Whether running a neobank, a fintech, or a crypto-native platform, builders can bring their existing systems and build on top of it. The most trusted stablecoins run on Polygon, with over $3.4 billion in liquidity and full reserve coverage.

Polygon's Growing Footprint in Global Finance

The announcement builds on a period of rapid commercial traction for the network. Mastercard, Stripe, Robinhood, Grab, Calastone, Reliance Jio, Paxos, Flutterwave, and Standard Chartered-backed AlloyX all use Polygon's infrastructure. In 2025, Polygon saw a 264% increase in stablecoin volume year-over-year, processing $932 billion in total transfers.

The Open Money Stack is built on six years of work by Polygon, during which the network has handled over $2 trillion in on-chain value. Nailwal has stated that the goal is to make money move instantly, globally, and programmably. Many parts of the stack are already live through partnerships, with pilot programs expected later in 2026.

For neobanks looking to embed blockchain capabilities without building each component from scratch, the proposition is straightforward: one integration, every service layer included.

Sources
Polygon Open Money Stack – Official Page
Polygon Pushes Open Money Stack to Simplify On-Chain Payments – The Crypto Times
Polygon Becomes Top Blockchain by Transactions as Revolut Crosses $1.2B – The Crypto Times