True settlement

Instant settlement. Zero gas volatility.

Polaris payments settle in one to five seconds with absolute finality and no ledger-level chargebacks. Fees are flat and published in advance instead of set by a gas auction, and a merchant or platform can sponsor a payer's fee so the payer never needs to hold POLA. The same payment structure works for a person or an automated software agent.

Real-time authorization leads to absolute finality with zero chargebacks.

Payments are authorized in real time and final on-ledger in seconds never subject to a ledger-level chargeback. Because fees are flat and can be natively sponsored by merchants or platforms, the person or program paying may never need to hold a single POLA token.

Deterministic settlement in one to five seconds

Transactions transition from signed to final within seconds, eliminating the uncertainty of probabilistic confirmation models.

Permissionless, credibly neutral infrastructure

The native payment layer has no gatekeepers. Parallel block proposals ensure no single entity controls the payment path, keeping native POLA transfers open and unrestricted.

Unified rails for humans and software

People and automated agents use the exact same payment request structure (amount, recipient, memo, expiry). This allows systems to forecast costs precisely and act the millisecond settlement completes.

Frictionless fee sponsorship

Merchants, platforms, or dedicated paymasters absorb network fees. End users never need to hold, manage, or interact with POLA, delivering a seamless traditional payment experience with blockchain finality.

Built for real-world applications

Point-of-sale commerce

Customers scan and approve payment requests instantly. Merchants receive direct, final settlement without intermediary processing layers or delays.

Direct merchant settlement

Funds settle directly to merchant accounts with protocol-level finality. Refunds remain fully under merchant control as explicit, auditable transactions.

Enterprise invoicing

B2B payments clear in seconds, not weeks. Organizations benefit from pre-determined fees and immutable records that simplify reconciliation.

International transfers

Cross-border value moves at network speed with predictable pricing, bypassing traditional banking intermediaries and multi-day settlement delays.

Financial market settlement

Trading desks execute atomic delivery-versus-payment for tokenized assets. Complex trades benefit from transparent escrow with rapid, deterministic finality.

Payroll and gig economy

Platforms distribute compensation globally with immediate finality. Flat fees and native sponsorship ensure workers receive their full amount without managing network tokens.

Frequently asked questions

How fast do payments settle?

Transactions move from signed to final within one to five seconds. This removes the uncertainty of probabilistic confirmation models.

Can a payment be charged back?

No. Payments are final on-ledger in seconds and are never subject to a ledger-level chargeback. Refunds stay under merchant control as explicit, auditable transactions.

How do fees work?

Polaris Chain replaces gas auctions with flat, published fees. This gives predictable unit economics and no gas wars.

Do users need to hold POLA to pay?

Not necessarily. Merchants, platforms, or dedicated paymasters can sponsor network fees, so the person or program paying may never need to hold a single POLA token.

Can software agents use the same payment rails?

Yes. People and automated agents use the same payment request structure of amount, recipient, memo, and expiry. Systems can forecast costs precisely and act the instant settlement completes.

Keep exploring

Real-world assets on Polaris
How tokenized assets carry their own compliance rules on the same chain.
The Polaris Trust Registry
How issuers and credentials are verified before value moves.
Polaris testnet explorer
Watch payments settle in real time on the public testnet.
Polaris testnet faucet
Get free test POLA and send your first payment.
Deterministic finality vs. card settlement
How a Polaris payment settles in seconds, compared with how card and bank rails settle over days.

Ready to build with Polaris payments?

Explore the technical documentation or dive into the other core pillars of the Polaris Chain ecosystem.

Explore our testnet Read the docs