After trading on Coinme, Polygon Labs received payment processing services covering all 48 states in

Polygon Labs 完成对 Coinme 的收购，将四家支付公司引入 Open Money Stack 平台

Polygon Labs 已完成对 Coinme 的收购，并将 Tazapay、Mesh、Toku 和 Kira 四家支付公司纳入其 Open Money Stack 平台。该平台将受监管的美国货币传输服务与稳定币支付、数字钱包及本地货币结算相结合。

合规牌照与业务整合

此次收购使 Polygon 获得了 37 张州级货币传输许可证以及 11 项豁免权，极大地扩展了其在美国支付业务中的覆盖范围，服务范围涵盖全美 48 个州。该业务已在金融犯罪执法网络（FinCEN）注册为货币服务企业。

Coinme 的整合让 Polygon 无需让企业客户逐一在各州建立货币传输运营体系，即可在美国市场提供现有的合规支付基础设施。这一举措是 Polygon 将其区块链基础设施与 Coinme 受监管的支付服务相结合的数月努力后的成果。

Open Money Stack 的核心功能

Open Money Stack 通过单一集成接口，实现了法币出入金、数字钱包、跨链支付路由以及在数十个区块链网络上的稳定币结算。企业可以通过该基础设施接收来自银行账户或数字钱包的资金，管理余额，转移稳定币，并以本地货币形式交付付款。

Polygon Chain, as one of its payment networks, has processed over $3 trillion in stablecoin transactions to date. Although the unified integration is currently in the technical preview phase for specific customers, its underlying architecture already possesses powerful processing capabilities.

The first users of this technology include companies engaged in cross-border payments and global salary distribution.

Polygon announced that Tazapay, Mesh, Toku, and Kira have become among the first customers to adopt the Open Money Stack. This technology is used for cross-border commercial payments, account funding, global salary distribution, and US dollar banking services.

Tazapay: Optimizes cross-border financial flows.

Tazapay utilizes the digital wallet and fiat conversion infrastructure provided by the Open Money Stack to facilitate payments between stablecoins and local currencies. The company offers cross-border payment services to over 1,000 enterprises and fintech companies in more than 30 countries. With Polygon’s integration, Tazapay can combine its existing local bank and SWIFT payment connections, enabling customers to receive, hold, and pay funds using stablecoins. This reduces intermediate steps, improves payment efficiency, and lowers costs.

Mesh: Overcomes barriers to accessing funds.

Mesh integrates Polygon’s fiat payment services into its existing encrypted payment network, connecting over 300 wallets, exchanges, and financial service providers. Mesh’s CEO, Bam Azizi, noted that the main bottleneck in stablecoin payments lies in “funding access.” Polygon’s infrastructure provides users with a new way to fund their accounts, eliminating the need for payment providers to maintain separate connections to each supported service.

Toku: Simplifies global salary distribution.

Toku operates its global payroll infrastructure in over 100 countries, offering employer recordkeeping services. Through integration with Polygon, Toku allows employees to deposit their wages directly into digital wallets, and convert those funds into local currency through the same payroll process. CEO Ken O’Friel stated that while international employment regulations remain a challenge, Toku handles tax withholding and local reporting matters, while Polygon provides the technology needed to convert stablecoin earnings into local currency.

Kira: Connecting stablecoins with US bank accounts

Kira utilizes the Open Money Stack to expand the range of stablecoins available for its US banking services. The company serves fintech companies, OTC brokers, and import traders who require US dollar accounts and international payment capabilities. Through this integration, Kira aims to directly link stablecoin payments with US dollar deposits in customers’ bank accounts, thereby addressing the banking and compliance issues that businesses face after completing stablecoin transfers.

Ecosystem expansion and technological advancements

Polygon continues to expand its support network for the Open Money Stack. Recently, the platform added support for the TRON network, allowing businesses to accept assets such as USDT. Funds can be transferred between the TRON and Ethereum Virtual Machine (EVM) networks using Polygon Trails. Additionally, the platform supports converting assets into USDC for fiat settlement.

In addition, PayPal USD (PYUSD) also launched native integration with Polygon in July. This provides enterprises with a comprehensive solution, including wallet services, compliance tools, and fiat currency conversion capabilities. Previous data shows that the total amount settled using Polygon’s stablecoins has exceeded $2.6 trillion, and latest reports indicate that this figure may even reach over $3 trillion.

At the technical level, Polygon has tested a proxy payment channel capable of processing over 11 million verification updates per second across 25 hubs. All settlement transactions are recorded on the Polygon Chain. Currently, various components of the Open Money Stack are already in operation, and a unified integrated version is being previewed to selected customers. Fintech companies and financial institutions can request access rights through the Polygon team.