Stablecoin payments
& settlement
Move digital dollars across chains and settle to fiat on local rails. One API orchestrates the whole flow.
Lightspark API
(0, 0, 0)
Capabilities / Stablecoin payments
Digital dollars move across chains and settle to fiat on local rails. One API orchestrates the flow. Swipe to explore.
Pan and zoom to explore
Technical specs
01
Overview
Send stablecoins across supported chains and settle to fiat on local bank rails. The Lightspark API orchestrates the conversion between stablecoins, currencies, and payment networks automatically. Dollars stay dollars end to end.
02
Payments
- Cross-chain movementMove dollar balances across supported chains; dollars stay dollars
- Fiat settlementSettle to local bank rails in 65+ countries
- Account settlementGlobal Account dollar balances are held in stablecoin form (USDB by default)
- OrchestrationLightspark converts between stablecoins, fiat rails, and local currencies automatically. Your users only see a dollar balance.
03
Supported tokens
- USDC
- USDT
- USDB
04
Networks
- Arbitrum
- Avalanche
- Base
- Bitcoin
- Ethereum
- Lightning
- Optimism
- Polygon
- Solana
- Spark
- Stellar
- Tron
05
Coverage
Settle to fiat in 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
06
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
07
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
08
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