Revolut Makes Blockchain Payments Invisible, Pioneering Seamless Cross-Border Transfers

Revolut, the London-based fintech giant, has expanded its use of blockchain technology by integrating Ethereum's Polygon network to facilitate stablecoin-based remittances for users in the UK and non-EU EEA countries. The move, announced on November 18, 2025, enables customers to send and receive payments in USDC, USDT, and POL with near-instant settlement and minimal gas fees, according to a press release. This follows Revolut's initial foray into stablecoin transfers over Polygon in December 2024, which has since processed over $690 million in transactions.

The integration underscores Revolut's strategy to leverage blockchain for cross-border payments, a sector increasingly dominated by Layer 2 solutions like Polygon. By partnering with Polygon Labs, Revolut aims to simplify user experiences while complying with regulatory frameworks that restrict certain stablecoins in the EU, such as Tether's USDT. "This integration with Revolut represents exactly the kind of real-world utility for everyday people we've been building toward," said Marc Boiron, CEO of Polygon Labs. According to Polygon Labs, "By making blockchain payments invisible to the end user, we're seeing the future of finance unfold," he added.

The development aligns with broader trends in the crypto industry, where institutional players are prioritizing scalable infrastructure for stablecoin transactions. For instance, R25, a stablecoin and real-world asset (RWA) protocol incubated by Ant Financial, recently launched its rcUSD+ token on Polygon. The yield-bearing stablecoin, pegged 1:1 to the US dollar, is backed by traditional financial instruments and aims to bridge the yield gap between crypto and traditional finance. Polygon co-founder Sandeep Nailwal described the collaboration as a step toward bringing "institutional-quality real-world assets" onchain.

Meanwhile, Polygon's appeal as a financial infrastructure layer extends beyond stablecoins. Mastercard recently expanded its Crypto Credential program to self-custody wallets, using Polygon to enable username-style aliases for crypto addresses. This initiative, launched in partnership with Mercuryo, aims to reduce errors in transactions and enhance user trust. Raj Dhamodharan, Mastercard's executive vice president of blockchain and digital assets said, "By streamlining wallet addresses and adding meaningful verification, Mastercard Crypto Credential is building trust in digital token transfers."

Revolut's adoption of Polygon highlights the growing convergence of traditional finance and blockchain, particularly in remittances and cross-border settlements. With over 65 million users across 38 countries, Revolut's move could accelerate mainstream adoption of stablecoins as a viable alternative to fiat-based transfers. However, regulatory scrutiny remains a key challenge, as seen in the EU's cautious approach to stablecoins like USDT.