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RailFi and Polygon Open Money Stack
RailFi builds and checks a bounded payout plan. You send from your own wallet — or through a regulated payment partner. RailFi then matches each transfer back to its invoice. We never hold funds or keys.
No OMS API key required for the free plan builder and MCP tools on railfi.xyz today.
Who does what
- RailFi — validate recipients, amounts, budget and time window; export an approve-once pack; look up public USDC/USDT transfers; reconcile to invoices. MCP: /api/mcp.
- Your wallet / multisig — you sign. Prefer Polygon OMS Sessions when you have access so the chain rejects out-of-scope requests.
- Payment partners — firms that move money (for example Polygon Open Money Stack ecosystem partners). Complementary: they settle; we check and reconcile.
- Fiat on-ramp (Mesh + OMS) — Polygon announced Open Money Stack as a fiat on-ramp option on Mesh, which connects 300+ wallets, exchanges and fintechs. Users can fund an account; you still approve the payout plan in your own wallet. RailFi does not move fiat or hold balances.