View docsLog inContact

Pay-ins

Receive funds via bank deposits, stablecoin transfers, or just-in-time payment instructions. Balances credit the moment funds arrive.

View docsBook a demo

Lightspark API

(0, 0, 0)

Capabilities / Pay-ins

Businesses pay in euros, stablecoins, pesos, bitcoin. Lightspark collects and settles to Acme Corp in clean USD. Swipe to explore.

Pan and zoom to explore

Technical specs

01

Overview

Receive funds into platform accounts via bank deposits, stablecoin transfers, or just-in-time payment instructions. The Lightspark API auto-credits balances on arrival and can trigger downstream execution automatically.

02

Funding methods

  • 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 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
03

Rails

Lightspark 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
04

Security & 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
05

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
View docs
06

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
Contact sales