- Polygon Chain can now support up to 5,000 payment transactions per second.
- The capacity upgrade makes stablecoin payments more practical for payroll, remittances and B2B settlement.
- Polygon says the higher throughput and stable fees could help fintechs and enterprises build payment products with more predictable costs.
Polygon Chain can now support up to 5,000 payment transactions per second, Polygon Labs said in a statement shared with AlexaBlockchain. This is its latest effort to position Polygon network as a production rail for stablecoin payments. The upgrade was achieved by raising the network’s gas limit to 160 million while maintaining 1.5-second blocks.
The milestone puts Polygon closer to the throughput range expected from large-scale payments infrastructure.
But the claim is not only about speed.
The larger issue for fintech and enterprises is whether public blockchain rails can handle real payment volume without unpredictable fees, degraded performance or complex integrations.
Polygon is positioining the upgrade as a way to make stablecoin payments more practical for payroll, remittances, B2B settlement and cross-border transfers.
That’s impoartant because stablecoin payments are moving beyond crypto-native use.
Stripe’s stablecoin payments allows businesses to accept stablecoins from customers globally. It enables customers to pay with their preferred crypto wallet, token and network, while completed payments settle into the merchant’s Stripe balance in USD.
Polygon has been one of the supported networks in Stripe’s stablecoin payments push. Stripe uses Polygon to let merchants accept stablecoin payments online and at physical locations.
Polygon Labs said the new upgrade gives companies a rail where costs remain low and predictable as volume grows.
That predictability is central to payment product design. A remittance app, payroll provider or merchant settlement platform needs to know what a transaction will cost before building pricing around it.
“Finance and payments teams have been watching stablecoins for years, waiting for the infrastructure to catch up,” said Marc Boiron, CEO of Polygon Labs.
“The throughput was never the real blocker, the costs and complexity were. When fees spike at scale, you can’t build a real product on top of it. Polygon Chain now processes up to 5,000 payments per second at stable fees. With the simplicity of integration in one API, fintechs and enterprises can finally build stablecoin payment products on the Open Money Stack with one simple integration and know exactly what they’ll cost to run,” Boiron said.
The Open Money Stack is Polygon’s attempt to package stablecoin payments into a more complete enterprise framework. As per Polygon, it is a vertically integrated system that connects fiat access, wallets, orchestration and onchain settlement through a single API.
The goal is to let companies build stablecoin payment products without stitching together multiple vendors for wallets, fiat ramps, liquidity and settlement.
That strategy accelerated earlier this year.
In January, Polygon Labs signed definitive agreements to acquire Coinme and Sequence in deals valued at more than $250 million. Polygon aimed to strengthen its position in regulated stablecoin payments through the acquisitions.
The deals were meant to add missing pieces around fiat access and wallet infrastructure. Coinme operates a regulated digital currency payments business, while Sequence provides wallet and transfer infrastructure for cross-chain activity.
The Block reported that Coinme holds money-transmitter licenses in 48 U.S. states and that Sequence provides enterprise wallet infrastructure. The report said the Open Money Stack is designed as middleware for global value transfers using stablecoins and other onchain assets.
The new throughput milestone builds on Polygon’s earlier network upgrades.
The Bhilai hardfork raised Polygon’s gas limit from 30 million to 45 million. It allowed the network to support more than 1,000 TPS while aiming for smoother gas fees.
Polygon noted Bhilai as the first major step in its Gigagas roadmap. The company described the roadmap as a multi-phase plan to reach 100,000 TPS for payments, remittances and tokenized assets.
For developers already building on Polygon, backward compatibility is part of the appeal.
If upgrades can be delivered without forcing applications to migrate contracts or rebuild integrations, existing payment companies can inherit added capacity without major technical disruption. That’s crucial for enterprises, where infrastructure changes can slow adoption.
The timing is also important because payment demand could become more automated.
Payroll, remittances and B2B settlement already require repeatable, high-volume payment flows. AI agents could add another layer of continuous transactions, including payments for APIs, compute, data access and digital services.
Most traditional rails were not designed for that type of programmable microtransaction load.
Many blockchains, meanwhile, become expensive during periods of peak demand. Polygon’s latest upgrade is designed to address that gap by combining higher throughput with more stable transaction costs.
The move comes as stablecoins attract more attention from mainstream payment companies.
Stripe has expanded stablecoin support across its payments infrastructure, including work with Shopify merchants. In June 2025, Stripe said Shopify merchants in 34 countries would be able to accept USDC payments.
Polygon is trying to make sure it remains one of the public rails used for that shift.
The network’s pitch is that stablecoin payments need more than a fast chain. They need fiat access, compliance tooling, wallet infrastructure, liquidity, low fees and predictable settlement in one stack.
Polygon has now brought its chain closer to institutional payment throughput. The next question is whether fintechs and merchants will use that capacity for payroll, remittances, B2B settlement and other real-world stablecoin flows at scale.
The above article “Polygon’s 5,000 TPS Upgrade Could Make Stablecoin Payments Viable for Payroll, Remittances and B2B Settlement” was first published on AlexaBlockchain. Read the complete article here: https://alexablockchain.com/polygon-raises-payment-capacity-to-5000-tps/
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