Ramps
On-ramp and off-ramp between fiat and crypto through a single API. Real-time rates, instant settlement, and local rails worldwide.
Lightspark API
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Capabilities / Ramps
Move between bank accounts and crypto seamlessly. Lightspark bridges local currencies to BTC, ETH, and stablecoins. One API. Swipe to explore.
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Technical specs
01
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. Lightspark handles the conversion and compliance.
02
On-ramp
- Deposit methodsACH, SEPA, wire, PIX, Faster Payments, and USDC direct deposit
- JIT fundingQuote returns payment instructions and 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
03
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 Lightspark
04
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
05
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
06
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
07
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