Polygon’s May 15 blog frames Open Money Stack as a payments stack, not another bridge: one API for fiat ramps, wallets, Agglayer cross-chain routing, Trails intent flows, and roughly one-second Polygon Chain settlement. The pitch is that fintechs, PSPs, and neobanks can let users pay in, hold stablecoins, route across chains, and cash out without exposing chain choice or bridge ops. Security hinges on Agglayer’s pessimistic proof, which verifies balance conservation, nullifiers, and roots with ZK proofs before settlement.

TLDR by @Benthic