Receive funds via bank deposits, stablecoin transfers, or just-in-time payment instructions. Grid auto-credits balances on arrival.
Grid API
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Capabilities / Pay-ins
Businesses pay in euros, stablecoins, pesos, bitcoin. Grid collects and settles to Acme Corp in clean USD. Pan and zoom to explore.
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Technical specs
Overview
Receive funds into platform accounts via bank deposits, stablecoin transfers, or just-in-time payment instructions. Grid auto-credits balances on arrival and can trigger downstream execution automatically.
Funding methods
Multiple ways to receive funds into platform accounts.
- Bank depositWire, SEPA, PIX, ACH — customer pushes funds to a provided account
- Stablecoin transferReceive USDC, USDT, or USDB on supported chains
- Hosted payment pageRedirect customers to a Grid-hosted deposit page
- PrefundedDeposit into internal accounts upfront; use balances as source for quotes
- Just-in-time (JIT)Quote returns payment instructions; payment arrival triggers automatic execution
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
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
