Deposits
Move money from bank rails into on-chain balances. Funds credit the moment they arrive, ready to convert or spend.
Lightspark API
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Capabilities / Deposits
Money moves from bank rails into on-chain balances. Funds credit the moment they arrive. Swipe to explore.
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Technical specs
01
Overview
Fund on-chain balances from local bank rails. The Lightspark API issues unique deposit instructions per account; when funds arrive they credit automatically and a webhook fires. Prefund balances ahead of time, or attach payment instructions to a single quote.
02
Funding models
- PrefundDeposit into internal accounts via wire, PIX, hosted payment page, or crypto transfer; use the balance for instant quotes and transfers
- Just-in-timeThe quote returns payment instructions; the payment executes automatically when funds arrive
- JIT railsJust-in-time funding rides instant rails only: RTP, PIX, SEPA Instant
- Direct pullPull from external accounts with pull support, like debit cards or ACH pull
03
Rails
Local rails and settlement times
- SEPAEurope1 business day
- SEPA InstantEuropeInstant
- ACHUS1–2 business days
- Wire TransferUSSame day
- RTPUSInstant
- FedNowUSInstant
- PIXBrazilInstant
- UPIIndiaInstant
- SPEIMexicoInstant
- Bre-BColombiaInstant
- Faster PaymentsUKInstant
- PayNowSingaporeInstant
- FASTSingaporeSame business day
- Bank TransferSupported marketsVaries
- UMAWallet-to-walletInstant
04
Coverage
Deposit coverage across 65+ countries
- Austria
- Bangladesh
- Belgium
- Benin
- Brazil
- Bulgaria
- Cameroon
- China
- Colombia
- Croatia
- Cyprus
- Czech Republic
- Denmark
- Dominican Republic
- Egypt
- El Salvador
- Estonia
- Finland
- France
- Germany
- Ghana
- Greece
- Guatemala
- Haiti
- Honduras
- Hong Kong
- Hungary
- Iceland
- India
- Indonesia
- Ireland
- Israel
- Italy
- Ivory Coast
- Kenya
- Latvia
- Liechtenstein
- Lithuania
- Luxembourg
- Malawi
- Malaysia
- Malta
- Mexico
- Morocco
- Netherlands
- Nigeria
- Norway
- Pakistan
- Philippines
- Poland
- Portugal
- Romania
- Rwanda
- Senegal
- Singapore
- Slovakia
- Slovenia
- South Africa
- Spain
- Sweden
- Switzerland
- Tanzania
- Thailand
- Uganda
- United Arab Emirates
- United Kingdom
- United States
- Vietnam
- Zambia
05
Stablecoin deposits
- USDBSpark
- USDCSolana, Base, Polygon
- USDTTron
06
Crediting
- Automatic routingEvery account has unique deposit details, so funds credit the right balance without reconciliation
- Reference codesWhere a rail needs one, instructions include a reference code that ties the deposit to the account
- WebhooksA balance webhook fires the moment a deposit credits; transaction webhooks track the full lifecycle
07
API
- ProtocolREST, OpenAPI 3.1
- SDKsTypeScript, Kotlin
- AuthHTTP Basic (server-side), Passkeys / OIDC / Email OTP (end-user)
- Money movementQuote → execute → webhook. Same flow for every rail, every currency.
- SigningECDSA P-256, device-held keys, per-action payloadToSign
- IdempotencyIETF-spec Idempotency-Key on every mutation
- WebhooksSigned payloads, exponential retry, deduplicate by delivery ID
08
Integration
- Time to launchDays
- BrandingYour brand and product surface
- EconomicsReserve rewards, card interchange, FX margin, and transaction fees accrue to the platform
- ComplianceLightspark MSB, hosted KYC/KYB, or bring your own
- PricingCustom