Lightspark forpayments platforms
The rails and coverage behind yours. Extend your network to 65+ countries through one integration, and keep the margin the middlemen were taking.
Lightspark API
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The problem
You sell payments. You shouldn’t have to assemble them.
A payment company’s product is its network, and the network is built the hard way: a banking partner per market, an FX counterparty per currency, float parked in every corridor, and an integration queue that decides which deals you can say yes to.
Every hop in that chain takes a cut and adds a failure mode. Coverage gaps lose RFPs, thin corridors lose margin, and the operations team spends month end reconciling five providers’ reports against one ledger.
The network
One network behind your product.
The Lightspark API is the wholesale layer under your own: local rails in 65+ countries, FX locked at quote, stablecoin settlement between fiat legs, and named virtual accounts per customer.
Your brand and pricing in front. One integration underneath.
Send to bank accounts, wallets, and mobile money providers in 65+ countries, settled in local currency. Coverage your sales team can quote without a partner search first.
Lightspark auto-routes each payment to the optimal rail for the currency, country, and amount. Instant where the rail supports it, without a per-market integration on your side.
Quotes lock the exchange rate for 1 to 15 minutes depending on corridor, with exact fees, rate, and receiving amount shown before execution. Price your own margin on top of a known cost.
Fund from held balances or with just-in-time payment instructions per payment. Run an omnibus FBO account owned by your platform, or direct customer-owned accounts.
Settle internally over USDC, USDT, USDB, and other supported stablecoins across Base, Solana, Ethereum, Spark, Arbitrum, Tron, and more. Dollars stay dollars between fiat legs.
Give every customer a named account with deposits, transfers, and balances tracked per account, so flows reconcile per customer instead of per omnibus statement line.
The economics
Fewer hops. More of the spread.
Every intermediary between you and the receiving bank prices itself into your corridor: a correspondent’s lifting fee, an FX desk’s spread, a local partner’s per-payment charge. Replacing the chain with one network means the spread between your price and the network’s cost stays with you, and the quote makes that cost exact before every payment executes.
Just-in-time funding does the same for float: instead of prefunding every corridor against demand you have to forecast, payments can execute as your money arrives, and capital parks where you choose instead of where the corridor demands.
Licensing & compliance
Bring your license. Or ride ours.
Most payment companies arrive with licenses and a compliance stack of their own. Lightspark is built for that: regulated platforms onboard customers by direct API and keep KYC and KYB inside their own systems, with reduced documentation requirements.
Platforms without licenses move money on Lightspark’s regulated rails instead, with the compliance operations attached to each supported corridor handled for them.
Licensed institutions onboard customers by direct API call and keep KYC and KYB inside their own compliance systems, with reduced documentation requirements. Your program stays your program.
Lightspark Payments is registered with FinCEN as a money services business and holds money transmission licenses or registrations where required, so platforms without their own licenses can move money on regulated rails.
For corridors where Lightspark runs the program: identity checks, business verification, sanctions screening, risk review, and the compliance requirements attached to each supported corridor.
The infrastructure is backed by Lightspark’s security program, audited under SOC 2 Type II with NIST CSF–aligned controls, so your diligence team can evaluate it like enterprise financial infrastructure.
Standard API objects and webhooks keep funding, quotes, payments, and settlement status visible to your operations team instead of hiding money movement in a black box.
You own pricing, product, and the customer relationship. Lightspark powers routing, FX, and settlement underneath and never appears in your customer’s experience.
Integration
Your API contract, mapped onto ours.
The objects are the ones your platform already models: customers, accounts, quotes, transactions, and webhooks. Onboard a business customer, register the recipient account once, then every payment is a quote and an execute with settlement confirmed over webhooks.
The sandbox mirrors production behavior end to end, and the docs give your team the implementation path: OpenAPI, copyable examples, sandbox test credentials, Postman collections, and AI-readable pages.
Closing
Your product in front. Lightspark behind.
Your customers chose you for your product, your pricing, and your service. Keep all three, and swap the patchwork underneath for a network that reaches 65+ countries, settles in real time, and pays you back the margin the middlemen were taking.
Your brand. Your economics. One integration.