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Coinme Acquired by Polygon Labs to Build its Open Money Stack
Coinme Acquired by Polygon Labs to Build its Open Money Stack

Transaction Overview
On January 13th, 2026, Polygon Labs announced it intends to acquire Coinme, a regulated crypto-as-a-service provider. Simultaneously, Polygon also announced the acquisition of Sequence, enabling payment flows across blockchain networks. Both acquisitions help build a fully integrated, rules-compliant stablecoin payments system – Poygon’s Open Money Stack.

Target: Coinme
Founded in 2014 and headquartered in Seattle, Coinme is a U.S.-regulated digital asset payments company offering crypto-as-a-service and stablecoin and crypto payment infrastructure for enterprises, fintechs, wallets, and payment applications.

Coinme is licensed and operates in 48 U.S. states, as well as Puerto Rico, and has built systems designed to handle fiat-to-crypto and stablecoin payments at scale while meeting U.S. regulatory requirements.

Coinme provides capabilities that partners integrate into their products. These capabilities, delivered as a set of APIs or SDKs, include KYC, payments by debit card, bank transfer, or cash, converting between fiat and crypto, trading, and custody, so partners can offer end-to-end crypto and stablecoin features embedded in their own applications.

Coinme also supports a large cash-to-crypto network through partnerships, providing the software and compliance layer that enables cash on-ramps and off-ramps at 50,000+ locations across the U.S.

Coinme serves more than one million users and has processed more than $1.3 billion in total transactions since it launched. Its enterprise customers include Coinstar, Exodus, Mercuryo, Baanx, and Breeze.

Coinme was co-founded by CEO Neil Bergquist and has raised $41M in equity funding from Pantera, Digital Currency Group, Coinstar, Circle, and MoneyGram.

Coinme competitors include: ZeroHash, MoonPay, Bridge | Stripe, Banxa | OSL, and Paxos.

Buyer: Polygon Labs
Polygon was founded in 2017 as Matic Network and is actively undergoing an evolution in its product offering. Polygon Labs, formed in 2023, is responsible for supporting the development of the Polygon ecosystem, with a focus on fast, low-cost blockchain infrastructure for payments.

Polygon is now building the Open Money Stack, an integrated set of services designed to move money instantly and reliably, globally. It combines blockchain settlement on the Polygon network with core payment components like wallets, stablecoin integrations, cross-chain connectivity, and compliance tooling, to keep funds on-chain so they can be used across on-chain financial applications.

To make this work across many different blockchains, Polygon Labs is building AggLayer, a settlement layer meant to help different blockchains connect and exchange value with each other quickly and at low cost, reducing the need for separate, disconnected systems.

Polygon is a listed token with a current fully diluted value of $1.6B. Polygonscan shows more than 6.2 billion total transactions on Polygon. Polygon’s website also points to scale indicators like billions of dollars of stablecoins on the network, millions of transactions per day on average, and monthly payment volume, and describes Polygon as infrastructure that can support “trillions” of value moving through it.

The company was co-founded by Jaynti Kanani, Sandeep Nailwal, Mihailo Bjelic, and Anurag Arjun, and is currently led by CEO Marc Boiron, who was appointed in 2023.

Historically, in 2021, Polygon acquired zero-knowledge cryptography companies Mir and Hermez for $400M and $250M, respectively, but these are no longer aligned with the company’s Open Money Stack vision.

Transaction Parameters
Polygon Labs is acquiring Coinme for an undisclosed amount. In combination with another acquisition, Sequence, simultaneously announced by Polygon today. The combined acquisition value is around $250M. This marks one of the first examples of a protocol acquiring an operating business. The Coinme transaction is expected to close in Q2 2026.

Architect Partners served as the exclusive financial advisor to Coinme.

Notable comparable transactions include OSL | Banxa for $62M (M&A Alert), Nuvei | Simplex for $250M (M&A Alert), Ripple | Rail for $200M (M&A Alert), Stripe | Bridge for $1.1B (M&A Alert), MoonPay | Iron for $100M (M&A Alert), and MoonPay | Helio for $175M (M&A Alert).

Strategic Rationale
Polygon is acquiring Coinme and Sequence to move from being a settlement rail to owning the full experience of how money comes on-chain, moves on-chain, and settles back into the real world. The combination of Coinme’s licensed payments offering with Sequence’s wallet and payments orchestration stack gives Polygon an end‑to‑end, regulated crypto payments platform that spans physical kiosks, embedded wallets, and cross‑chain routing.

On Day 1, Polygon can take this integrated “crypto‑as‑a‑service” solution to banks, PSPs, neobanks, and fintechs who want compliant, turnkey stablecoin and token payments without building their own licensing, infrastructure, or user experience.

Architect Partners’ Observations
This acquisition(s) underscores a broader inflection point in the blockchain protocol market: technological performance and scalability alone will not win. The integration of real-world rails and the ability to deliver end-to-end value for mainstream users are becoming table stakes. As the market matures, competitive advantage is shifting toward owning the commercialization layer, including regulated fiat access, compliance operations, distribution channels, partner integrations, and strong product integration.

Networks that rely entirely on third-party providers risk commoditization, margin leakage, inconsistent user experience, and strategic dependency, just as stablecoins and tokenized products begin to drive meaningful transaction volume and the corresponding revenue opportunities.
Polygon’s actions show they fully understand the importance of this approach.

Sources
Polygon Press Release
Architect Partner M&A Tracker
PitchBook

Insights

2025 Year End Crypto M&A and Financing Report

Eric F. Risley
January 4th, 2026
DOWNLOAD FULL REPORT

Download the full report above.

2025 CRYPTO HIGHLIGHTS

 

A Resounding Year!

Crypto mergers & acquisitions reached record levels of activity in 2025, and consideration paid grew by over seven times from last year.

 

Crypto private financings demonstrated the return of late stage equity investors after a very long 36-month hiatus, in spite of artificial intelligence businesses stealing the spotlight. 

 

The Rise and Fall of Digital Asset Treasury companies (DATs)

Amazingly 221 DATs were formed and announced the intention to raise ~$145B in capital in the six months between March and September 2025. This activity trailed off quickly as the so-called multiple of net asset value (“mNAV”) premium evaporated for most.

 

Crypto IPOs Reemerge

Debuts by eToro, Circle, Bullish, Figure and Gemini were generally very well received but are now trading below their highs. This group, at year end, has contributed ~$37B in equity value to the public crypto markets.

 

The Year of Early Euphoria Returns to the Hard Work of Building Enduring Businesses

One year ago we started our State of Crypto Markets report with:

 

“The U.S. elections and associated expected shift in the U.S. regulatory stance have 

changed everything”

 

This has proven accurate, however, as typical, the hard work reveals itself. By the end of Q1 2025 the tariff experiment was in full swing, creating economic uncertainty but the roller coaster turned upward in Q2 and Q3 with strong crypto asset price performance. Q4 saw a decided reversal in crypto asset values which was particularly noticeable as public equity markets continued to strengthen.

 

Bitcoin, Ethereum and the DeFi Pulse Index ended the year down 6%, 12% and 43% from last year’s levels, respectively. For comparison, the S&P 500 and Nasdaq were up 17% and 21%. 

 

Building businesses is hard, long work taking years and decades. The market speaks daily and sometimes detaches from the fundamentals. We counsel founders to focus on what they can control, daily mark-to-market valuation certainly isn’t. 

 

ARCHITECT’S STRATEGIC THEMES FOR 2026

 

Traditional Financial Services are Coming

Traditional banking, securities and payments businesses increasingly fully recognize the opportunity and threat. More developed and finalized regulatory guidelines will increase aggressiveness and likely result in many new product introductions and “bridge” M&A transactions by traditional players.

 

Crypto Doesn’t Stand Alone

Competitive dynamics are quickly shifting as traditional financial services enters the fray with their unmatched assets: clients, origination and distribution. Traditional crypto business will be expanding the aperture of the strategic planning to reflect this reality.

 

Crypto and Digital Assets Will Increasingly Co-Exist

While much discussed and long-in-coming, on-chain digital assets (which sometimes cross over into the securities regulatory framework) will demonstrate increasing acceptance. Stablecoins, tokenized money market funds and the efforts of companies like Figure and their HELOC products are several examples which will proliferate. As noted above, traditional financial services players have key strengths to lead here.

 

More Initial Public Offerings are Coming

Numerous companies are on that track for 2026 which may prove even stronger than 2025.

 

Late Stage Private Capital Financing Market Improves

2025 demonstrated the return of late stage equity financings at scale. It always starts with the “highest quality” businesses attracting capital but we anticipate a broader breadth of businesses will have access to growth capital in 2026.

 

Blockchain Continues To Move Beyond Speculation – An Important Next Step

Stablecoins are proving to be a real-world use case, with both businesses and consumers participating. What other use cases have viability and can scale? The answer continues to remain opaque.

 

While Volatile this Past Year, Crypto Has Delivered Exceptional Value Creation

Crypto has attracted $175B of risk capital (excluding DATs) and represents $3.7T in value, a 21.1x gain, far better than traditional venture investing. Again, this far outpaces the Internet at the same point in market development. 

 

Eric F Risley

Founder & Managing Partner

January 4, 2026