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The Open Money Stack provides regulated, enterprise-grade on-ramp and off-ramp infrastructure with KYC, AML, and compliance built in. Third-party providers are also available for teams not using OMS directly.

OMS on-ramps and off-ramps

OMS handles both directions. The quote-and-execute pattern applies to crypto sends and payouts; cash-in and virtual accounts auto-create their transactions when funds arrive.

Fiat to crypto

Accept cash at a retail location and deliver USDC to a wallet on Polygon. Bank funding is in early access.

Crypto to fiat

Move USDC from a custodial wallet to any wallet or address today, with bank disbursement (ACH, wire) in early access.

Cash-in

Let a customer deposit physical cash at a retail location and receive USDC in their wallet.

Virtual accounts (early access)

Give a customer a dedicated bank account number that auto-converts incoming ACH deposits to USDC. Virtual-account provisioning is not yet available in the OMS API.
Supported today: cash at 50,000+ retail locations across 48 US states. RTP bank payouts are in early access and settle within minutes. Other bank rails (ACH, wire) and cards are coming soon.

Request OMS access

Request access to the OMS on-ramp and off-ramp API.

Third-party providers

For teams building directly on Polygon without OMS, the following providers support Polygon on-ramps and off-ramps.
Polygon does not endorse or provide support for third-party providers. Do your own due diligence before integrating any service.

On-ramp providers

Convert fiat to crypto on Polygon via card, bank transfer, or local payment methods:
ProviderCoveragePayment methods
MoonPayGlobalCard, bank transfer
Transak160+ countriesCard, bank, local methods
RampGlobalCard, bank, Apple/Google Pay
BridgeUS + globalStablecoin-focused, programmable
RevolutRevolut usersRevolut account
CrossmintGlobalCredit card, NFT/token checkout
BlindPayGlobalPrivacy-focused
PayyGlobalPayment link, checkout
AveniaLatin AmericaLocal payment methods
MercuryoGlobalCard, bank transfer
ElectrocoinEuropeLocal methods
See the Stripe on-ramp tutorial for a step-by-step integration with Stripe’s Crypto On-ramp API.

Off-ramp providers

Convert crypto on Polygon to fiat via bank transfer, card payout, or cash:
ProviderCoveragePayout methods
MoonPayGlobalBank transfer, card payout
Transak60+ countriesBank transfer
RampGlobalBank transfer
BridgeUS + globalStablecoin-to-fiat
MercuryoGlobalCard, bank
RevolutRevolut usersRevolut account