On-ramp and off-ramp between fiat and crypto through a single API. Real-time rates, instant settlement, and local rails worldwide.
Grid API
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Capabilities / Ramps
Move between bank accounts and crypto seamlessly. Grid bridges local currencies to BTC, ETH, and stablecoins. One API. Pan and zoom to explore.
Pan and zoom to explore
Technical specs
Overview
Convert between fiat and crypto through a single API. On-ramp from bank accounts to self-custody wallets; off-ramp from crypto balances to local bank rails. Grid handles the conversion and compliance.
On-ramp
- Deposit methodsACH, SEPA, wire, PIX, Faster Payments, and USDC direct deposit
- JIT fundingQuote returns payment instructions; Grid executes automatically on receipt
- Instant deliveryCrypto delivered to Spark wallets in seconds. Spark is a Lightning-compatible Bitcoin L2.
- Supported assetsBTC, USDC, USDT. Delivered to Spark, Solana, Base, Polygon, and more
Off-ramp
- Withdrawal railsACH, SEPA, PIX, UPI, Faster Payments, SPEI, and local bank transfer
- Prefunded modelConvert from internal account crypto balance. No waiting for deposits
- SettlementFiat delivered via the fastest available local rail; instant where supported
- ComplianceKYC/KYB, sanctions screening, and corridor requirements handled by Grid
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
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
