Withdrawals
Move on-chain balances back to bank rails. Lightspark settles to local accounts in 65+ countries, instant where supported.
Lightspark API
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Capabilities / Withdrawals
On-chain balances move back to bank rails, settled to local accounts in 65+ countries. Swipe to explore.
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Technical specs
01
Overview
Withdraw on-chain balances to bank accounts in 65+ countries. The Lightspark API locks the rate at quote, routes to the fastest available local rail (PIX, UPI, SEPA, ACH) and delivers in the recipient's currency. Fees and the receiving amount are visible before execution.
02
Execution
- FlowQuote → execute → webhook. Rate locked at quote; fees and receiving amount shown before execution
- Same currencySame-currency withdrawals skip the quote; one transfer call
- DestinationsVerified external bank accounts with named beneficiaries
- Self-custody balancesWithdrawals from user wallets require the user’s device signature
- No local railDestinations without a local rail settle over international wire (SWIFT)
03
Rails
Lightspark 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
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
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
06
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