Swiss crypto bank AMINA Bank AG says it has become the first regulated bank in the world to offer institutional staking for Polygon’s native POL token, a move that aims to give pensions, family offices and other institutional investors a compliant, bank-wrapped route into the network’s staking rewards.
Under the new offering, AMINA is promising a boosted yield of around 15% on staked POL, a rate the bank says is made possible through a partnership with the Polygon Foundation. The product lets institutional clients stake POL through AMINA’s custody and operating stack while remaining subject to Swiss KYC/AML checks and FINMA supervision; AMINA has held a FINMA banking license since 2019.
Staking is the backbone of proof-of-stake networks: participants lock up tokens, validate transactions and help secure the chain in return for protocol rewards. Until now, that activity has mostly been handled by crypto-native firms or individual token holders. By packaging staking inside a regulated bank, AMINA is pitching a familiar, compliance-forward option for institutions that want more than passive exposure to crypto; they want to earn native, on-chain rewards while operating under traditional banking controls.
TradFi Meets Web3
Polygon has emerged as one of the most active blockchains for payments and tokenization, particularly for small-value transactions. AMINA highlights that Polygon leads in everyday payments under $100 across EVM chains with more than 30% market share, supports roughly $3.4 billion in stablecoins, and handles the lion’s share of stablecoin activity in many emerging markets. The network’s appeal is straightforward: sub-penny fees for small USDC payments, settlements in roughly five seconds, and low transaction costs that make it attractive for payments rails and tokenized assets alike.
Those technical and economic attributes have drawn a range of institutional players. AMINA pointed to integrations and projects across the ecosystem, everything from payment infrastructure firms to tokenization platforms, and named examples of major financial institutions and asset managers building on Polygon or experimenting with on-chain real-world assets. The bank argues that by enabling professionally managed capital to participate as stakers, it will both deliver yields to institutional clients and help secure the network as demand for stablecoin payments grows.
At the token level, POL is the upgraded successor to MATIC and serves as Polygon’s staking and gas token. AMINA says the migration from MATIC to POL is about 99% complete; POL is used today to validate blocks, pay fees, and secure the Polygon PoS chain, with stakers earning protocol rewards and transaction fees for that work.
For institutions that have watched crypto infrastructure mature from the sidelines, AMINA’s product represents a clear next step: moving from passive holdings to active network participation. The bank frames the launch as “staking-as-a-service” from within a regulated banking envelope, aimed at asset managers, corporate treasuries, pension funds and ultra-high-net-worth clients who require institutional controls and regulatory compliance.
Polygon, for its part, stands to benefit from having a FINMA-regulated banking partner entering the validator mix. A regulated staking provider can bolster Polygon’s enterprise-friendly credentials and may encourage deeper TradFi integrations across payments, tokenization and real-world asset projects. If other banks and fintechs follow AMINA’s lead, the result could be an acceleration of professional capital participating in network security and a broader bridge between traditional finance and Web3 infrastructure.
AMINA’s move is part of a wider trend: as blockchain technology has matured, more institutions are looking to capture on-chain yields in ways that fit their compliance frameworks. By offering a bank-backed route into POL staking, and by promising a boosted yield, AMINA is betting that regulated, familiar entry points are what will bring the next wave of institutional capital into active roles onchain. Whether other banks step in and how much capital flows through regulated staking channels will be key to watch as Polygon and the wider tokenization market evolve.
