Launch accounts, balances, cards, stablecoins, ramps, and money movement inside your product.
Grid Global Accounts
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Capabilities / Embedded finance
Launch every capability, earn on every transaction. Interchange, yield, FX spread, and trading fees. Pan and zoom to explore.
Pan and zoom to explore
Technical specs
Overview
Embed accounts, balances, cards, stablecoins, and money movement inside your product. Grid handles custody, compliance, and settlement. Your users see your brand. You own the economics.
Account
- CustodySelf-custody embedded Spark wallet, provisioned per customer
- BalanceDollar-denominated stablecoin balance, with BTC where enabled
- FundingIncoming funds credit the balance without customer approval
- Movement outWithdrawals and transfers require a customer signature
- API typeInternalAccount of type EMBEDDED_WALLET
Coverage
Off-ramp 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
- 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
Rails
Grid auto-routes to the optimal rail for the currency, country, and amount
- SEPAEurope1 business day
- SEPA InstantEuropeInstant
- ACHUS1–2 business days
- Wire TransferUSSame day
- RTPUSInstant
- FedNowUSInstant
- PIXBrazilInstant
- UPIIndiaInstant
- SPEIMexicoInstant
- Faster PaymentsUKInstant
- PayNowSingaporeInstant
- FASTSingaporeSame business day
- Bank TransferSupported marketsVaries
- UMAWallet-to-walletInstant
Cards
Visa debit cards tied to Global Account balances
- NetworkVisa
- FormatVirtual or physical debit cards
- Acceptance175M+ Visa merchants
- Funding sourceSpend from the customer Global Account balance
Stablecoins
Issue, move, and settle dollar balances
- Branded issuanceIssue your own branded stablecoin; user balances appear under your brand
- Cross-chain movementMove dollar balances across supported chains; dollars stay dollars
- Account settlementGlobal Account dollar balances are held in stablecoin form (USDB by default)
- OrchestrationGrid converts between stablecoins, fiat rails, and local currencies automatically. Your users only see a dollar balance.
Supported tokens
Stablecoins that flow through Grid
- USDC
- USDT
- USDB
Networks
Supported networks for stablecoin movement
- Arbitrum
- Avalanche
- Base
- Bitcoin
- Ethereum
- Lightning
- Optimism
- Polygon
- Solana
- Spark
- Stellar
- Tron
Security & controls
Authorization, compliance, and program controls
- AuthorizationOutbound movement requires the account owner to authorize from their device
- Session signingSession signing keys are short-lived; 15 minutes by default
- No unilateral movementNeither Lightspark nor the platform can unilaterally move customer funds
- Compliance operationsKYC, KYB, sanctions screening, risk review, and corridor requirements
- Security programSOC 2 Type II audited; NIST CSF–aligned controls
- LimitsApproval thresholds, velocity limits, payee controls
- AgentsBounded scopes, audit trails, real-time revocation
API
Quote, execute, webhook. Every rail.
- 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
Integration
Timeline, ownership, and economics
- Time to launchWeeks
- BrandingYour brand and product surface
- EconomicsYield on balances, card interchange, FX margin, and transaction fees accrue to the platform
- ComplianceLightspark MSB, hosted KYC/KYB, or bring your own
- PricingCustom
