Virtual accounts
Named accounts for every user under your brand. Each account has its own deposit details, balance, and transaction history.
Lightspark API
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Capabilities / Virtual accounts
A named account for every user, each with its own deposit details. Funds route to the right balance automatically. Swipe to explore.
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Technical specs
01
Overview
Give every user a named account under your brand. The Lightspark API creates accounts automatically when you onboard a customer, each denominated in a single currency with its own balance and unique deposit instructions. Deposits route to the right account automatically and fire a webhook the moment they credit.
02
Accounts
- StructureOne account per customer per currency, created automatically at onboarding
- NamingHeld in the customer’s name; deposit details name the account holder
- Platform accountsPooled platform-level accounts for operations like rewards and reconciliation
- BalancesQuery any balance in real time; every change fires a webhook
- AvailabilityBalances are available for instant, 24/7 quotes and transfers out
03
Deposit details
- Unique per accountEach account has its own account and routing details, so deposits route to the right balance automatically
- Bank railsACH, wire, SEPA, PIX, and more depending on currency
- Stablecoin depositsUSDB on Spark; USDC on Solana, Base, and Polygon; USDT on Tron
- Reference codesWhere a rail needs one, instructions include a reference code that ties the deposit to the account
04
Fiat balances
- CAD
- DKK
- EUR
- GBP
- HKD
- IDR
- INR
- MXN
- MYR
- NGN
- PHP
- SGD
- THB
- USD
- VND
05
Crypto & stablecoin balances
- USDC
- USDT
- USDB
- BTC
06
Coverage
Payout 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
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