CoinFubi

在 Revolut 申请美国国家银行牌照之际，其在 Polygon 的整合已悄然成为稳定币支付的一个证明点。Revolut 在 Polygon 上累计稳定币量已超过 $1.2 billion。Gas 费用在以太坊上通常比 Polygon 高出 426 倍，Solana 上则大约高出四倍。Revolut 的稳定币支付量在 all chains 的 2025 年同比增长约 156%，达到 $10.5 billion。

近日，Revolut 已向美国货币监理署（Office of the Comptroller of the Currency）和 FDIC 提交申请，寻求成为 U.S. national bank charter，以 Revolut Bank US, N.A. 的名义运营。牌照若获批，将使 Revolut 直接接入 Fedwire 和 ACH，具备提供 FDIC-insured 存款的能力，并能够在全美 50 个州于统一联邦框架下运营。它将开启贷款、信用卡，以及净利差等传统银行的核心收入来源。就 Polygon 而言：持牌的美国银行运行基于区块链的清算基础设施，是对金融科技整合另一种类型的证明点。

Revolut 正在通过英国 FCA 的监管沙盒试点 GBP 稳定币，同时在 Polygon 上实现超过 $1.2 billion 的生产量，这向监管下的数字货币流动方向发出明确信号。

PART OF A LARGER STACK Polygon recently unveiled the Open Money Stack: an integrated set of services for institutions moving money globally. It covers enterprise-grade wallets, compliant on- and off-ramps via Coinme (which is being acquired by Polygon, subject to regulatory approval), cross-chain payment orchestration, and stablecoin settlement on Polygon Chain. The idea is to replace the fragmented web of vendor contracts, API integrations, and compliance arrangements that most fintechs navigate today with a single, end-to-end integration point.

On-ramp, custody, settlement, and off-ramp, all coordinated rather than cobbled together. Revolut’s architecture on Polygon is what that vision looks like when it runs at scale. Paxos tells a similar story: $1.3 billion in volume on Polygon, 50x growth in 12 months. Flutterwave, Stripe, Mastercard, Calastone, and Reliance Jio are others that have each chosen Polygon as infrastructure for payments and stablecoin settlement.

在 2025 年，Polygon Chain 的稳定币交易量同比增长 264%。网络处理了 $932 billion 的总转账量。Polygon 现在支持超过 $3 billion 的稳定币供应。WHAT IS $1.2 BILLION IN THE FACE OF TRILLIONS? 这只是开始。Polygon 已经处理了超过 $2.4 trillion 的稳定币交易量。

Legacy cross-border money movement remains expensive and operationally fragile. Even with SWIFT gpi, where nearly all payments settle within 24 hours, traditional banks embed an FX markup of 2-5% above the mid-market rate on every cross-currency transaction, a cost that stablecoin settlement largely eliminates. Revolut’s Polygon integration is a working demonstration that the target is achievable, at production scale, right now. Not with a different regulatory regime or a decade of infrastructure build, but with Polygon as a settlement layer that already exists. The $1.2 billion is only a taste of what’s next. Learn more about how the Open Money Stack enables institutions to build global stablecoin payment infrastructure and get early access, here.

这次整合覆盖的范围超越了单纯的转账。在 Revolut 应用内，用户可以通过 Polygon 发送和接收 USDC 和 USDT，用于跨境支付与汇款。Stake POL，Polygon Chain 的原生 Gas 费，质押可带来高达 4% APY 的收益。通过 Revolut Ramp，可以从银行账户直接接入 Polygon 钱包。并可在销售点使用 Revolut crypto card，以稳定币进行消费。