For a long time, when we talked about "paying with cryptocurrency," the images that usually came to mind were: copying a long string of garbled addresses, repeatedly verifying the first four and last four characters, staring at on-chain confirmation numbers in a daze, and feeling heartache over a hefty Gas fee.

Honestly, this experience is very "anti-human." If this is the future, then the future is too complicated.

But after observing @0xPolygon's layout in the stablecoin field in 2025,

I found that it is doing something very interesting: it is trying to turn blockchain into an "invisible" infrastructure, just like when you swipe a credit card and don't think about the underlying TCP/IP protocols.

Polygon is making "cryptocurrency payments" return to being purely "payments."

Why do I say this? Not just because I boast, but because solid data shows:

👍 Several core data points are enough to illustrate its market penetration:

📊 1️⃣: Shift4 launched a stablecoin settlement platform on Polygon on December 22, 2025, providing real-time 24/7 settlement services in USDC, USDT, EURC, and DAI for hundreds of thousands of merchants.

This means that from restaurants to e-commerce platforms, merchants can receive payments anytime without being limited by traditional bank hours.

The total transaction volume of stablecoin payments on Stripe via Polygon has exceeded $70 million (as of December 26).

This number continues to grow, reflecting that more and more online service providers are accepting crypto payments.

Revolut's monthly transaction volume on Polygon reached $111 million (data as of December 28), with a total processed amount of $690 million.

📊 2️⃣ An easily overlooked but highly significant trend is that small USDC transfers under $1000 doubled in the first half of 2025, with monthly transaction volumes reaching hundreds of millions of dollars.

This data indicates that Polygon is not only serving large-scale commercial settlements but is also penetrating everyday payment scenarios for ordinary users,

such as tips, subscription fees, cross-border gig payments, and more.

📊 As of now, the total transfer volume of non-USD stablecoins on Polygon has reached $11.1 billion, accounting for 43% of all such stablecoin transfers across major chains.

Specifically:
AUDF (Australian dollar stablecoin) total transaction volume: $2.46 billion

XSGD (Singapore dollar stablecoin) total transaction volume: $2.24 billion

Supporting over 30 non-USD stablecoins, covering various fiat-pegged assets from JPY (JPYC) to BRL (Brazilian Real).

📊 Currently, Polygon supports hundreds of fiat on/off ramps, covering over 150 countries.

Integrations with service providers like MoonPay, Circle Paymaster, DePay, etc., allow users to buy stablecoins or convert stablecoins into fiat currency almost anywhere using local bank accounts.

➡ From transaction volume to small transactions, from non-USD stablecoins to the number of countries covered,

Polygon is leading the Web3 industry.

🤔 1. Previously, fiat currency was fiat currency, and crypto was crypto, separated by a thick "on/off ramp" wall.

But Monerium and Santander within the Polygon ecosystem are breaking down this wall.

European users now have a magical IBAN (bank account). When friends transfer euros to this account, within seconds, the money automatically becomes a $EURe stablecoin on the Polygon chain.

Conversely, when you transfer $EURe on the chain, the recipient's bank account receives euros.

In this process, the concepts of "recharge" and "withdrawal" are eliminated.

This makes stablecoins no longer just tokens on exchanges but real "cash" that can buy coffee or pay wages.

2. We see that Canada’s Paytrie uses Polygon to help overseas workers send money back to India; Brazil’s Avenia uses it to fight inflation.

In these scenarios, Polygon is not packaged as some high-tech Web3 solution; it’s just a "cheaper Western Union."

This is precisely the most easily accepted by users. They don’t need to understand ZK technology or sidechain principles; they only know: using this, they save enough fees to buy an extra bag of rice.

3. Perhaps in the near future, when you swipe your phone to pay at a convenience store or receive a cross-border remittance, the underlying network running is actually Polygon, and you are unaware of it.

From the user’s perspective, solving practical problems,

making daily use easier,

with impressive data,

and ignoring hype memes,

Polygon and $POL are becoming the default players in global payment infrastructure.

🛫🛫 Takeoff