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Rewards

Send instant Bitcoin rewards to your users' self-custody wallets. Lightspark handles the USD-to-BTC conversion, compliance, and delivery in one atomic operation.

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Lightspark API

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Capabilities / Rewards

Summit Bank funds one BTC treasury. Every customer gets real bitcoin cashback, delivered instantly. Swipe to explore.

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Technical specs

01

Overview

Distribute Bitcoin rewards to self-custody Spark wallets in seconds. Fund a platform account in USD, then trigger instant BTC delivery per user. The Lightspark API handles the conversion, compliance, and settlement in one call.

02

Delivery

  • DestinationSpark wallet (self-custody)
  • SpeedInstant via Spark; seconds, not minutes
  • Custody modelUser holds their own keys; no platform custody required
  • Wallet provisioningGenerate via Privy, Spark SDK, or let users connect their own
  • End-user KYCNot required; only the paying entity needs KYB
03

Funding

  • ModelPre-funded: deposit USD, then distribute BTC on demand
  • ACHPush from your bank; 1–2 business days to settle
  • Wire transferSame-day settlement
  • Lightning / SparkFund with USDB instantly via Spark wallet address
  • Stablecoin depositUSDC on Solana and other supported chains
  • Balance trackingWebhook on every balance change; query via /platform/internal-accounts
04

Quote mechanics

  • Lock sending (SENDING)Fix the USD amount; user receives whatever BTC it buys at the current rate
  • Lock receiving (RECEIVING)Fix the satoshi amount; platform is debited the USD needed at the current rate
  • Immediate executionSet immediatelyExecute: true to create and execute in one call, ideal for automated micro-payouts
  • Two-step executionOmit immediatelyExecute to review the exchange rate and fees before confirming
  • Quote expiryLocked quotes expire after ~5 minutes; execute before expiration or request a new quote
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
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06

Integration

  • Time to launchWeeks
  • 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
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