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Saved February 14, 2026
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Polygon co-founders Sandeep Nailwal and Marc Boiron outline their plan to move all money onchain, creating a streamlined and integrated infrastructure called the Open Money Stack. This system aims to eliminate the constraints of traditional financial systems, allowing seamless, global money movement for consumers, businesses, and AI agents.
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Polygon Labs aims to transform the way money moves by building the Open Money Stack. As it stands, the process of transferring money is slow, costly, and often tied to outdated financial systems. Polygon's vision is to shift all money to onchain systems, making it as seamless and versatile as information exchange has become with the internet. The company has already facilitated over two trillion dollars in onchain value transfer, establishing itself as a key player in blockchain infrastructure.
The Open Money Stack will integrate various services, allowing money to remain onchain and be used effectively without reverting to traditional systems. Features include blockchain rails, wallet infrastructure, and mechanisms for compliance and identity verification. This stack aims to simplify the user experience, making money transfers as easy as a tap while ensuring that idle funds can earn yield. The goal is to eliminate friction in money movement, supporting all forms of onchain assets and decoupling the type of money sent from what recipients receive.
In the near future, Polygon plans to announce several initiatives that will enhance its capabilities across payments and compliance. The aim is to create an open money ecosystem that empowers consumers, businesses, and AI agents alike. As they build on past advancements, the Open Money Stack is positioned to redefine money movement for the next three decades, emphasizing that the critical developments will occur within the next three years.
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