Move beyond payouts. Give workers a branded account that holds, spends, and moves the money they earn with you.
Grid Global Accounts
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On-demand platforms create the work. Then the money relationship leaves.
On-demand platforms coordinate the hard parts of flexible work: demand, matching, trust, scheduling, reputation, incentives, pricing, and payouts. Workers earn because your product keeps the market running.
But the moment earnings leave, the next financial relationship happens somewhere else. A bank holds the balance. A wallet handles cash-out. A card issuer monetizes spend. An FX provider takes the spread. The platform created the work, but another company owns the account workers use after the shift ends.
The global account
Make earned balances useful the moment they arrive.
Grid Global Accounts changes what a payout can become. Worker earnings land in a branded dollar account inside your platform, ready to hold, spend, cash out, convert, or move across supported rails.
This is not just faster payouts. It is a daily money account for workers: the place where completed jobs become fuel, transit, supplies, local cash, card spend, and retained balance for the next work day.
Earned balances land in a branded dollar account inside your platform, with Lightspark powering the account infrastructure underneath.
Workers can move money to local and global banking rails, including PIX, UPI, SEPA, FPS, and more corridors coming online.
Workers can spend from their balance on fuel, transit, supplies, meals, phone bills, and daily work expenses anywhere Visa is accepted.
Move dollars into USDC, USDT, USDB, and other supported stablecoins across Base, Solana, Ethereum, Spark, Arbitrum, Tron, and more.
Because Global Accounts run on Spark, workers can hold Bitcoin alongside dollars and swap instantly without leaving the account.
Give agents narrow budgets, approved merchant categories, allowed rails, and approval thresholds so they can help with work-related money tasks without holding the keys.
The economics
Workers get faster access and more utility. You own the economics.
Most on-demand platforms still treat payouts as a cost center. The platform earns on the job, pays fees to move funds out, and lets the balance relationship accrue elsewhere.
Accounts change what happens after work is complete. Balances can earn yield. Cards generate interchange. Foreign exchange carries margin. Bitcoin trading carries spread. Local cash-out and daily work spend become part of the platform product instead of a reason to leave it.
Worker retention improves when the account solves immediate needs: access to earned funds, a card for daily work spend, local cash-out, and a balance that stays useful between jobs. The more useful the account becomes, the more natural it is for workers to keep earning through the platform that provides it.
Security & compliance
Ship the account. Not the bank behind it.
Shipping worker accounts used to mean shipping the regulated machinery underneath: money transmission, KYC, sanctions screening, custody, dispute handling, security review, and partner operations. Most on-demand platforms looked at that list and decided worker supply, marketplace quality, and retention were better places to spend their energy. Grid Global Accounts carries that side of the equation so your team does not have to.
The accounts themselves are self-custodial and built on Spark. Neither Lightspark nor the platform can unilaterally move worker funds. That makes the policy and approval model real, with boundaries enforced by architecture instead of trust.
Outbound movement requires the worker to authorize from their wallet. The platform can design the flow, limits, and approvals, but the account owner stays in the loop when funds leave.
Global Accounts are built on Spark wallets, so account control is enforced at the wallet layer. Neither Lightspark nor the platform can unilaterally move worker funds.
Lightspark Payments is registered with FinCEN as a money services business and holds money transmission licenses or registrations where required for Grid Transaction Services, with banking and payment partners behind the regulated rails.
Lightspark handles the operational work on-demand platforms do not want to rebuild: identity checks, business verification, sanctions screening, risk review, and the compliance requirements attached to supported corridors.
The infrastructure is backed by Lightspark's security program, audited under SOC 2 Type II with NIST CSF–aligned controls, so teams can evaluate the account layer like enterprise financial infrastructure.
You own the brand, UX, account rules, approval flows, and worker experience. Lightspark powers the account and regulated movement underneath.
Standard Grid objects and webhooks keep funding, withdrawals, card activity, quotes, and settlement status visible to your team instead of hiding worker money movement in a black box.
Integration
One Grid integration. Live in weeks, not years.
This is not a multi-year banking build. Your team starts with one API, a sandbox, and the normal objects you would expect: customers, accounts, quotes, transactions, and webhooks. Create the worker, fetch the Global Account, fund it in sandbox, and test the full request shape before production money moves.
The hard parts are already packaged: account provisioning, supported rails, wallet authorization, simulated funding, webhook events, and signed withdrawals. The Grid docs give your team the implementation path: OpenAPI, copyable examples, sandbox test credentials, Postman collections, and AI-readable pages.
Agentic operations
Work money is becoming agentic. The account needs to keep up.
Workers already use apps to plan routes, accept jobs, track earnings, manage expenses, and decide when to cash out. Agents will make that operating layer more active. They will compare routes, prepare withdrawals, reconcile work expenses, and help workers keep money ready for the next job.
The risk is not that agents help workers manage money. The risk is letting an agent touch earned funds without policy boundaries, approval flows, or an audit trail. The account is what makes that safe.
The agent gets a pocket, not the keys. Policy decides what is allowed, the account enforces it, and the worker stays in control.
Closing
On-demand platforms help workers earn. Now they can help workers stay.
Workers use your platform to turn time, skill, availability, and local demand into income. The next product layer is helping them use that income immediately: accessing earned balances, spending by card, buying what they need for work, cashing out locally, and keeping money ready for the next job.
That only works if the account lives inside the platform. Not as a payout destination. As the operating layer.
Workers already earn with you. Give them an account worth staying for.
Your brand. Your economics. One integration.
