Hold business reserves across fiat, stablecoins, and BTC. Convert and move out through the same Grid primitives that power the rest of your platform.
Grid API
(0, 0, 0)
Capabilities / Treasury
USD, EUR, USDC, BTC. All your balances in one place. Convert and move them out via local rails on demand. Pan and zoom to explore.
Pan and zoom to explore
Technical specs
Overview
Hold business reserves across any supported fiat, stablecoin, or BTC. Grid manages the custody, conversion, cross-chain movement, and outbound delivery to local rails. Same quote-execute-webhook pattern as every other money movement on the platform.
Fiat currencies
Hold balances in any supported fiat currency
- CAD
- DKK
- EUR
- GBP
- HKD
- IDR
- INR
- MXN
- MYR
- NGN
- PHP
- SGD
- THB
- USD
- VND
Crypto & stablecoins
Crypto and stablecoins that flow through Grid
- USDC
- USDT
- USDB
- BTC
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
Rails
Grid 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
FX
Locked exchange rates with full transparency.
- Rate lockingQuotes lock in the exchange rate for 1–15 minutes depending on corridor
- Locked currency sideLock sending or receiving amount — Grid calculates the other side
- Transparent feesExact fees, exchange rate, and receiving amount shown before execution
- Quote expiryExpired quotes can be recreated instantly with a fresh rate
- Immediate executionOptional single-call quote + execute for time-sensitive transfers
Networks
Supported networks for stablecoin movement
- Arbitrum
- Avalanche
- Base
- Bitcoin
- Ethereum
- Lightning
- Optimism
- Polygon
- Solana
- Spark
- Stellar
- Tron
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
