Revolut Partners with Polygon: 65 Million Users Now Send Stablecoins Instantly for Near-Zero Fees

London/Paris, November 22, 2025:
Revolut has quietly become the world’s largest regulated stablecoin remittance corridor.

Eleven months after integrating Polygon’s Ethereum layer-2 blockchain, the London-based neobank has processed more than $690 million in cross-border stablecoin transfers, with the vast majority landing instantly and at zero cost to users.

The milestone, confirmed to journalists this week by senior Revolut executives, marks the moment when blockchain-powered money movement officially overtook traditional providers on both price and speed for millions of everyday customers.

Key Takeaways

• Revolut processed $690M+ in stablecoin remittances on Polygon in under 11 months
• Zero-fee, sub-second cross-border transfers now available to all 65 million users in supported regions
• Traditional remittance fees (global average 6.4%, some corridors 15%) effectively eliminated overnight
• Polygon now powers the largest single-app stablecoin remittance corridor outside pure crypto exchanges
• First licensed European neobank to make blockchain settlement the default cheapest option for international transfers

The Integration: How Revolut Made Instant Zero-Fee Transfers Reality

Users in the United Kingdom and non-EU European Economic Area countries can now send USDC, USDT, or Polygon’s native POL token directly from the Revolut app.

The process takes seconds: select the crypto option, enter a phone number or wallet address, and the funds settle on Polygon’s network in 1–2 seconds.

Revolut covers all gas fees and waives foreign-exchange markups, making the effective cost to the sender and receiver zero in almost every case.

Step-by-step:

1. User opens “Send Money” → selects “Crypto transfer”
2. Chooses USDC, USDT, or POL from their Revolut crypto balance
3. Enters recipient’s phone number, email, or Polygon wallet address
4. Revolut routes the transaction through its own Polygon node cluster
5. Recipient receives instantly, even if they’re not a Revolut user (via claim link)
6. Revolut permanently subsidises 100% of Polygon gas fees for standard transfers

Average end-to-end time: 1.4 seconds. Average cost to the user: €0.00.

The Numbers Behind the Revolution

That stands in stark contrast to the global average remittance fee of 6.37% reported by the World Bank for the third quarter of 2025. In some Sub-Saharan African and Pacific corridors, fees still exceed 12–15% and take three to five business days.

Internal data shows monthly volume has more than doubled quarter-on-quarter since March, pushing the current run-rate past $120 million and climbing.

Polygon itself now handles more than 153 million stablecoin transactions per month across all applications.

Emerging Markets: Where the Real Impact Is Happening

68% of the $690 million processed so far has gone to emerging markets, with the Philippines, Nigeria, India (via the UK diaspora), Mexico, Kenya, and Pakistan leading the list.

A £500 transfer from London to Manila or Lagos that once cost £28–£45 and arrived days later now costs nothing and lands before the sender locks their phone.

Polygon’s Dominance in Enterprise Blockchain Rails

Revolut has become Polygon’s single largest consumer-facing deployment. The partnership places Revolut alongside Stripe, Mastercard, Nubank in Brazil, Reliance Jio in India, and pan-African payments giant Flutterwave, all building payment products on Polygon this year.

Regulatory Tailwinds and the 2026 Roadmap

Europe’s Markets in Crypto-Assets (MiCA) regulation, fully effective since mid-2024, provided the legal certainty that made the rollout possible.

Circle’s USDC is fully MiCA-compliant and available across the entire footprint, while Tether’s USDT remains restricted to non-EU jurisdictions.

Executives say 2026 will bring merchant stablecoin acceptance pilots with 5,000 UK retailers, tokenized loyalty programs with major airlines, direct fiat off-ramps in 47 additional countries, and the likely launch of Revolut’s own euro-pegged stablecoin, tentatively called RLUSD.

Conclusion

For the first time, a licensed European neobank has made blockchain settlement not just competitive but objectively superior to every legacy provider on the planet.

Western Union, MoneyGram, and high-street banks have spent decades defending 6-15% fees on the backs of migrant workers.

Revolut and Polygon just made that business model mathematically unsustainable. The age of expensive, slow international money transfer is over, most users simply haven’t noticed yet because the technology finally works well enough to disappear into the background.

Read Next:

• Crypto-Collateralized Stablecoins
• The Future of Stablecoins: What's Next in 2026 and Beyond
• Best Wallets for Storing Stablecoins Securely in 2025

FAQs:

1. What exactly is Revolut’s Polygon remittance feature and how do I use it today?

Open the Revolut app, go to Send → Crypto, choose USDC or USDT, enter the recipient’s phone number or wallet address, and send. Revolut pays the Polygon gas fee, so the transfer is instant and free.

2. How much volume has Revolut processed on Polygon as of November 2025?

More than $690 million since the December 2024 launch, with monthly volume now exceeding $120 million.

3. Is the zero-fee claim real, or are there hidden costs?

Completely real for standard transfers, no sender fee, no recipient fee, no FX spread, and Revolut permanently covers the blockchain gas cost.

4. Who can use Revolut’s instant stablecoin transfers right now?

All customers in the United Kingdom, Switzerland, Norway, Iceland, Liechtenstein, and other non-EU EEA countries. Full EU rollout is scheduled for Q1 2026.

5. What features are coming next from Revolut and Polygon?

Merchant payments, tokenized loyalty programs, fiat off-ramps in dozens of new countries, and the expected 2026 launch of Revolut’s own euro stablecoin (RLUSD).