TL;DR
- Revolut’s new $75B valuation is driven by the rapid success of its Polygon-powered stablecoin payments and zero-fee remittance infrastructure.
- The company has already processed $690M–$775M through USDC/USDT transfers on Polygon, cutting costs and outpacing traditional remittance rails.
- Stablecoins are becoming the backbone of Revolut’s cross-border strategy, replacing legacy payment infrastructure with faster, cheaper, programmable settlement.
Revolut’s newest funding round pushed the company to a whopping $75B valuation. It is now placed among the most valuable fintechs on the planet. Investors aren’t rewarding another neobank with a polished interface. In fact, they’re betting on a company that quietly rebuilt its payments infrastructure. And the reason is clear: the Revolut Polygon integration has become one of the most successful product roll-outs in the company’s history.
Revolut’s use of stablecoins is no longer a mere side feature. It is reshaping the company’s economics, accelerating user growth, and positioning Revolut as Europe’s leading crypto-enabled fintech.
Revolut’s New Engine: Polygon-Powered Stablecoin Payments
Revolut has integrated Polygon as its core settlement layer for stablecoin flows. This includes USDC and USDT payments across the UK and EEA, enabling users to send value globally with near-zero friction. Revolut’s stablecoin payment infrastructure uses Polygon’s low-cost, high-throughput network to deliver instant settlement.
Users can now send Polygon USDC transfers and Polygon USDT payments at a cost low enough for Revolut to absorb the fees entirely. The result is a payments experience faster and cheaper than traditional rails. On top of that, it can scale without relying on legacy card networks or correspondent banks.
For Revolut, this shift is strategic. Stablecoins provide a programmable, globally interoperable backbone that fits the company’s ambition to become a universal financial platform.
$690M–$775M Processed: Adoption That Outpaced Expectations
As per various reports, Revolut has already processed well over $690M through Polygon-based stablecoin transfers. Variations in reported numbers reflect different reporting dates, but the trend is unmistakable: demand for Revolut crypto integration is accelerating.
These flows increasingly feed into Revolut’s broader ecosystem: remittances, trading services, and business accounts. Customers aren’t just using the feature once; they are truly adopting Revolut international payments as a routine alternative to bank wires and card-based transfers.
Polygon’s efficiency has enabled Revolut to scale payment volumes without scaling operational costs. Hence, the company benefits from a competitive advantage over legacy remittance providers.
The Zero-Fee Remittance Strategy
Revolut’s introduction of zero-fee remittances is a clear attempt to undercut traditional operators. Thanks to Polygon’s low transaction costs, the company can absorb the fees and still offer an extremely fast experience.
This is where Revolut zero-fee remittances become a core differentiator. The company has effectively created a stablecoin remittance corridor between the UK and EEA, bypassing the FX markups and network fees that banks rely on.
The strategy is simple: near-instant settlement, zero service fees, and transparent pricing. Users respond to this value proposition, particularly in cross-border contexts where traditional fees are still high.
How Stablecoins Became a Profit Center
Revolut is not monetizing remittances directly. Instead, it is monetizing everything surrounding them. By leaning on low-cost stablecoin transfers, Revolut reduces backend expenses and increases payment velocity.
This shift supports a broader fintech stablecoin strategy, where stablecoins reduce structural operating costs and improve capital efficiency. Revolut then earns revenue on the higher-margin parts of the stack: trading, liquidity flows, premium tiers, staking, and treasury functions.
The success of the Revolut Polygon integration is therefore not just a technical achievement. It is part of a business model that scales faster and more profitably than conventional neobanking.
Why Polygon Fits Revolut’s Long-Term Plan
Polygon offers predictably low fees, fast finality, and an ecosystem mature enough for enterprise integrations. These traits make it a strong match for Revolut’s ambitions.
The Polygon payments network allows Revolut to roll out advanced features such as staking, instant settlement, and multi-asset support without navigating the constraints of traditional banking infrastructure. This aligns with broader trends in fintech crypto adoption, where stablecoin rails are increasingly seen as the next evolution in global payments.
Polygon also gives Revolut room to expand across markets, assets, and business use cases. The expansion won’t require fundamental reengineering its backend.
Revolut vs PayPal, Coinbase, and Wise
Revolut is now competing across three categories at once:
- Against PayPal: faster processing and cheaper cross-border crypto payments.
- Against Coinbase: integrated financial services bundled with crypto.
- Against Wise: lower remittance costs through superior settlement infrastructure.
Through this approach, Revolut is effectively building a parallel settlement system that bypasses legacy rails and uses stablecoins as the default transport layer. So, this is not a cosmetic addition but a significant change in the economics of money movement.
The Revenue Mix Behind the $75B Valuation
The company’s $75B valuation reflects more than user growth. Investors are rewarding Revolut for building a scalable payments engine. Revenue increasingly comes from:
- trading commissions
- crypto liquidity flows
- staking services
- stablecoin settlement for remittances
- premium financial tiers
- business accounts using USDC or USDT
These lines grow faster and at better margins than traditional banking services. The Polygon integration has become a multiplier across Revolut’s entire financial stack.
>>> Read more: Revolut MiCA License Sets Path to Europe’s Super-App
What Comes Next: Expansion of Stablecoin-Powered Payments
Revolut is now positioned to expand this model across new corridors. As more regions adopt stablecoin-friendly regulations, the company can deploy its infrastructure with minimal friction. Remittance routes into LATAM, MENA, and Asia are natural next steps, alongside support for additional stablecoins. More advanced treasury and settlement tools for businesses are also on the table, and deeper integration with trading and on-chain liquidity may follow.
Having built the rails, Revolut is now turning stablecoins into the backbone of its cross-border financial system.
