Polygon has taken a bold step toward mainstream financial adoption by acquiring two key companies that will transform it into a regulated payments platform in the United States. The blockchain platform recently announced the acquisition of Coinme and Sequence, strategically positioning itself to facilitate regulated money movement on blockchain networks.
This move represents more than just business expansion. Polygon aims to bridge the gap between traditional finance and the emerging world of blockchain-based payments through these strategic acquisitions. The company will now offer comprehensive solutions for regulated stablecoin transactions while maintaining compliance with U.S. financial regulations.
BREAKING: Polygon to become U.S. regulated payments platform
— Polygon | POL (@0xPolygon) January 13, 2026
We’re acquiring Coinme and Sequence to move all money onchain.
→ Regulated money movement in 48 states
→ Fiat on/off ramps
→ 50,000 fiat-to-crypto locations in the U.S.
→ Easy onboarding with wallet infra
→… pic.twitter.com/lwvLheEc3P
Strategic Acquisitions to Enable Regulated Payments
Coinme stands as a significant piece of this strategic puzzle. Founded in 2014, the company operates as a regulated digital currency payments business with money transmitter licenses in 48 U.S. states. Through this acquisition, Polygon immediately gains access to established regulatory frameworks and compliance infrastructure that would have taken years to build from scratch.
Polygon’s second acquisition, Sequence, provides essential wallet infrastructure and enables seamless cross-chain transactions. The company specializes in simplifying blockchain complexity for end users through embedded wallets and secure account management. This technology will allow applications to offer crypto payments without requiring customers to understand the technical intricacies of blockchain transactions.
Together, these acquisitions form what Polygon calls the “Open Money Stack” — a vertically integrated framework designed to power compliant, global stablecoin payments.
By combining Coinme’s regulated U.S. payment infrastructure and nationwide cash network with Polygon’s ecosystem, we’re creating a turnkey solution that enables Web2 and Web3 companies to embed compliant stablecoin payments directly into their platforms.
Neil Bergquist, CEO of Coinme
Building the Infrastructure for Mainstream Stablecoin Adoption
Stablecoins continue to gain traction as a form of digital money that combines the benefits of blockchain technology with the stability of traditional currencies. However, their widespread adoption faces significant obstacles due to regulatory uncertainty and the technical complexity of blockchain systems.
Through its recent moves, Polygon addresses these challenges head-on. The company now controls core layers of the payment stack, from regulated fiat access to blockchain execution and user-facing wallets. This vertical integration supports instant money movement while maintaining compliance with U.S. financial regulations.
Sandeep, CEO of the Polygon Foundation, emphasized this vision: “Less than a week after outlining the network’s broader vision for global money movement, Polygon announced plans to acquire Coinme and Sequence, two firms that address critical gaps in compliant payments and user onboarding.”
Coinme brings enterprise-grade APIs that allow traditional companies and crypto-native firms to offer custody, trading, and fiat on-ramps. This capability expands Polygon’s appeal beyond decentralized applications to banks, fintech firms, and payment providers seeking compliant blockchain integrations.
Practical Benefits of Polygon’s New Payment Infrastructure
The practical implications of Polygon’s transformation extend to both businesses and consumers. For businesses, the integrated platform offers a compliant way to incorporate stablecoin payments into existing services without navigating complex regulatory landscapes independently.
For everyday users, the experience becomes seamless. Sequence’s technology hides the technical complexity of blockchain transactions, allowing people to send and receive payments without understanding the underlying mechanics. This abstraction reduces friction and encourages broader participation in blockchain-based payments.
Coinme will operate as a wholly owned subsidiary of Polygon Labs while maintaining its existing services. This structure ensures continuity for current users while the transaction moves through customary regulatory approvals.
The full implementation of Polygon’s Open Money Stack is scheduled for 2026. When complete, it will enable payments to settle in seconds rather than days, allow funds to move across borders without correspondent banks or cutoff times, and ensure money remains usable on blockchain networks immediately upon arrival.
The Future of Regulated Blockchain Payments
Polygon’s strategy reflects a broader trend in the cryptocurrency industry toward proactive compliance rather than regulatory avoidance. In a market where regulatory pressure continues to increase, many blockchain companies now seek integration with existing financial frameworks instead of operating outside them.
This approach makes particular sense for stablecoins, which have emerged as a promising use case for blockchain technology in everyday payments. By integrating stablecoin payments into a regulated framework, Polygon aims to attract traditional financial players who have remained cautious about entering the cryptocurrency space.
The choice of the United States as the primary market for this rollout is strategic. The U.S. represents the largest financial market worldwide and has begun to develop clearer regulatory frameworks for digital assets. Having a strong regulatory presence in this territory strengthens Polygon’s legitimacy and provides a foundation for global expansion.
Through these acquisitions, Polygon demonstrates a commitment to building compliant infrastructure that can support the next generation of financial services. The company’s vision extends beyond speculative cryptocurrency use to practical applications that solve real problems in global payments and money movement.
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