What Is Open Money Stack? Polygon Adds Solana Bank Funding and Payouts

Polygon Labs, the development team behind Polygon (POL), integrated its Open Money Stack payments platform into the Solana network on October 29, 2026. This rollout introduces embedded wallets, bank funding, and global payouts to Solana. Prior to this integration, Solana handled approximately $5.76 trillion in stablecoin transactions between January 1 and October 27, establishing it as a primary market for Polygon’s payment solutions.

Through a single integration, businesses operating on Solana now gain access to accounts, funding, cross-chain routing, and payout functionalities. This development builds upon existing transfer capabilities involving Solana by bridging additional gaps between the sender’s bank and the final destination of the payment.

Polygon Brings Open Money Stack to Solana

What Does the Solana Expansion Add?

Open Money Stack allows Solana enterprises to connect various funding sources, including cash, cards, crypto, and traditional banks. Additionally, businesses can establish customer accounts, deploy embedded wallets, route and convert assets across multiple networks, and execute payouts. Beneficiaries can collect their funds via traditional banks, payment cards, or crypto wallets.

Related: Polygon Labs Cuts Staff and Shifts Course — From Blockchain Foundation to Payments Company

Polygon integrated Solana into its payments suite to bridge conventional bank accounts with stablecoin transfers. Companies can embed this infrastructure directly into their applications, covering the necessary workflows both preceding and following on-chain transactions.

How Does the Single Integration Work for Businesses?

Rather than requiring companies to contract separate vendors for every stage of a transaction, Polygon provides a unified technical connection and commercial relationship. This consolidation encompasses funding, routing, wallets, and payouts within a single ecosystem.

Firms have the flexibility to utilize the entire suite or integrate specific components into their current platforms. This adaptability serves organizations launching new payment utilities as well as those that already possess established funding or payout mechanisms.

Polygon Labs and the Foundations Explain the Solana Move

Why Did Polygon Labs Add Solana?

According to Polygon Labs CEO Marc Boiron, customer demand and strong stablecoin volumes drove the initiative. These identical drivers motivated Polygon to incorporate Tron earlier in October.

Boiron noted that enterprise clients already manage user bases and transaction flows across multiple blockchains. These businesses want to service their users without forcing them onto a specific chain, while avoiding the administrative burden of managing distinct bank, routing, wallet, and payout providers for each network.

Adding Solana aligns with Polygon’s broader commercial strategy of supplying payment infrastructure to firms operating across competing blockchains. The platform adapts to user network preferences while linking them to underlying funding and payout mechanisms.

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What Do the Polygon and Solana Foundations Say?

Sandeep Nailwal, co-founder and CEO of the Polygon Foundation, emphasized that the primary challenge lies in bridging decentralized crypto services with the conventional financial accounts and systems already favored by fintechs and banks. Support for Solana provides a practical avenue for organizations to build on whichever blockchain their clientele prefers.

Vibhu Norby, chief product officer at the Solana Foundation, highlighted the potential of merging surging stablecoin activity with global payout networks, bank accounts, and digital wallets. Such connections enable businesses to expand stablecoin utility to a wider audience and across additional markets.

While Nailwal focuses on integrating with users’ existing financial infrastructure, Norby concentrates on expanding the reach of companies already active on Solana.

Kira Connects Stablecoin Transfers to Supplier Payments

How Is Kira Using the Solana Integration?

Cross-border payments firm Kira ranks among the earliest adopters of the Solana integration via Open Money Stack. The company offers corporate clients USD accounts alongside cross-border payment solutions powered by stablecoins.

The workflow is direct: Kira assists clients in converting stablecoin transactions into fiat US dollars held in traditional bank accounts to settle obligations with international suppliers. The bank payout finalizes the business transaction alongside the initial stablecoin movement.

Kira serves as a prominent launch customer for Polygon’s expanded integration, demonstrating why enterprises moving capital on a blockchain still require mechanisms linking those transactions to standard fiat accounts.

What Could a Remittance Payment Look Like?

As noted by Decrypt, a remittance platform could theoretically ingest fiat funds from a sender, issue USDC on Solana, and disburse local currency to a recipient’s bank account. This envisioned workflow differs from Kira’s focus on B2B supplier payments.

In this scenario, Open Money Stack ties together the funding source, the stablecoin transfer layer, and the final payout. Enterprises can leverage Solana for the crypto settlement phase while maintaining fiat accessibility for both endpoints.

While remittance operators require end-to-end flows for individual senders and recipients, Kira’s model targets corporate accounts settling overseas supply chain invoices.

Trails, Tron and Coinme Set Up the Solana Expansion

What Solana Support Existed Before October?

Polygon’s Trails framework has bridged Solana with Ethereum-compatible blockchains since August 2026. Consequently, businesses could utilize a Solana transfer corridor prior to this latest announcement.

The October update expands this baseline by introducing customer accounts, funding channels, embedded wallets, and payouts to the identical integration. This broadens the ancillary services supporting any given transfer, assisting businesses from transaction intake to final settlement.

Boiron explained that the comprehensive stack was previously accessible for permitted use cases across Polygon, Ethereum, and other EVM-compatible networks. By integrating Tron earlier in October and Solana on October 29, Polygon has scaled this infrastructure across additional networks.

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How Does Coinme Fit Into Polygon’s Payments Business?

Polygon finalized its acquisition of cryptocurrency-to-cash enterprise Coinme prior to unveiling the Solana integration. The transaction granted Polygon’s US payments division entry to 37 state money transmitter licenses and 11 regulatory exemptions, spanning 48 states.

Coinme bolsters the geographic and regulatory footprint of Polygon’s US operations as the network broadens its blockchain connectivity. Together, the acquisition and network integrations highlight the dual nature of Polygon’s product: traditional financial payment services paired with cross-chain blockchain support.

Although the regulatory footprint covers 48 states for US payments, enterprises assessing specific funding or payout pathways must still verify authorization for their intended use case.

Solana and Tron Bring Trillions in Stablecoin Transfer Activity

How Much Activity Did the Two Networks Record?

Data from Token Terminal cited by Cointelegraph indicates that Solana processed approximately $5.76 trillion in stablecoin transactions between January 1 and October 27, 2026, while Tron recorded $6.94 trillion over the same timeframe.

These figures underscore the high transaction volume on the two networks integrated by Polygon in October. Boiron has consistently cited high customer demand as the primary driver behind supporting these ecosystems.

Polygon’s goal is to connect commercial activity on these chains with accounts, funding, and payout solutions, targeting the comprehensive payment architecture surrounding cross-chain transfers rather than just token movement.

Why Does That Activity Matter to the Product Strategy?

Companies transacting on Solana or Tron can utilize Polygon’s infrastructure while maintaining operations on their preferred networks. This directly addresses customer feedback regarding the need for unified payment rails across heterogeneous systems.

Routing and conversion capabilities now span Polygon, Ethereum, Tron, and Solana. Businesses catering to audiences across these ecosystems can couple these pathways with the platform’s native funding and payout services.

Polygon’s commercial viability relies on converting this broad network reach into practical payment workflows. Kira’s supplier payment model illustrates this utility, where stablecoins handle the intermediary transfer while the end user ultimately requires fiat bank deposits.

Eligibility and Integration Choices Shape the Rollout

How Should Businesses Approach Global Payout Access?

Open Money Stack facilitates payouts to global bank accounts, debit cards, and digital wallets. Because Boiron noted that product availability depends on permitted use cases, organizations must ensure their specific financial flows and commercial activities comply with regulatory standards.

Firms configuring bank payouts should verify corridor availability for their intended payment flows, a rule that applies equally to selecting funding sources or combining the stack with legacy payment vendors.

The distinction between domestic US licensing and broader international payout capabilities is critical here; Coinme’s regulatory exemptions apply specifically to Polygon’s US payment operations, while the overarching platform connects businesses to cross-borderrails.

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What Choice Does the Modular Offering Give Customers?

Organizations can implement the complete Open Money Stack or select isolated features. Polygon gives companies the autonomy to consolidate their entire payment architecture or simply inject specific capabilities into legacy systems.

For entities already utilizing Trails, the expanded stack introduces auxiliary features surrounding cross-chain transfers. Firms designing proprietary payment applications can pull individual components for wallets, accounts, conversion, routing, and payouts.

Polygon maintains that a single vendor relationship minimizes the complexity of assembling disparate providers, though businesses remain responsible for selecting the modules best suited to their target payment flows.

What Comes Next for Polygon’s Cross-Network Payments Push?

Which Implementation Decisions Come First?

Enterprises can initiate the process by outlining their payment architecture’s input and output requirements, then choosing the appropriate stack modules. Options encompass incoming capital via crypto, cash, cards, or banks, alongside recipient payouts delivered to cards, wallets, or bank accounts.

The same infrastructure supports diverse operational designs. For instance, Kira’s B2B bank settlements and the conceptual USDC remittance model both bridge stablecoins to traditional fiat payouts while addressing fundamentally different consumer needs.

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What Direction Has Polygon’s Leadership Described?

Boiron states that Polygon aims to cater to commercial clients whose users already operate across a fragmented multi-chain landscape. Integrating Solana following Tron extends this vision beyond Polygon and standard EVM environments.

Solana grants these companies an additional integrated network within Polygon’s payment suite. The subsequent phase involves execution: deploying the specific wallet, funding, routing, and payout components suited to each individual use case.

FAQ

Which Funding Methods Can Solana Businesses Access Through Open Money Stack?

Organizations can integrate traditional bank accounts, payment cards, cash, and cryptocurrencies as funding inlets, choosing either modular components or the full platform suite.

Where Can Businesses Send Payouts Through the Platform?

Payouts are supported globally across traditional bank accounts, payment cards, and digital wallets, allowing businesses to reach recipients outside of crypto-native environments.

When Did Polygon’s Trails Service Begin Supporting Transfers Involving Solana?

Trails initiated cross-network transfer support between Solana and EVM-compatible chains in August 2026, which the October 29 update subsequently expanded with accounts, wallets, funding, and payouts.

Which Network Did Polygon Add Earlier in October Before Solana?

Polygon integrated Tron earlier in October 2026, with Marc Boiron attributing both network additions to robust market demand and stablecoin volumes.

What Kind of Customer Is Early Adopter Kira?

Kira delivers US dollar accounts and stablecoin-powered cross-border settlement services to enterprises, utilizing its Solana integration to convert stablecoin transfers into fiat bank deposits for international suppliers.

Can a Business Use Only Part of Open Money Stack?

Yes. Companies can selectively deploy individual infrastructure modules into legacy architectures or adopt the comprehensive suite through a single commercial and technical arrangement.

This article is for information only and is not financial advice.