What's behind Polygon's Open Money Stack being architected as a unified API? The design choice solves a real friction point: enterprises want to move capital on-chain but struggle with fragmented tooling and complex integrations. By bundling settlement, liquidity, and compliance layers into a single API, the stack dramatically cuts integration overhead. Companies get a streamlined gateway to tokenized finance instead of juggling multiple protocols and middleware. This architectural approach reflects the industry's shift toward making on-chain infrastructure as accessible as traditional payment rails—removing the technical barriers that have kept institutional capital on the sidelines. It's less about blockchain elegance and more about practical adoption friction.