# Lightspark

> Lightspark is the open infrastructure for moving money worldwide. One integration to send, receive, hold, spend, and convert money in any currency, fiat or stablecoin, across 65+ countries. With Global Accounts, any business gives its users a dollar account under its own brand and keeps the economics of every transaction: interchange, FX, and reserve rewards.

Key facts: reach 65+ countries with local rails including Pix, UPI, SPEI, and SEPA, plus 175M+ Visa merchant locations. Days to launch; key and test in minutes. Seconds median settlement with automatic retries across rails. Platforms earn 3 to 5x more revenue per transaction than with traditional processing. First MiCA CASP and EMI license in Estonia. SOC 2 certified. Customers include Coinbase, SoFi, Nubank, Revolut, and Bitso.

## Products

- [Global Accounts](https://www.lightspark.com/global-accounts): A fully featured global dollar account for every user. Your brand, card-enabled, cash-out in 65+ countries. One integration turns payouts from a cost center into revenue.
- [Payouts](https://www.lightspark.com/capabilities/payouts): Send funds to bank accounts, cards, and wallets in 65+ countries, settled in real time.
- [Pay-ins](https://www.lightspark.com/capabilities/pay-ins): Accept funds from local payment methods worldwide.
- [Cross-border payments](https://www.lightspark.com/capabilities/cross-border): Real-time international transfers across fiat and stablecoin rails.
- [Stablecoin payments](https://www.lightspark.com/capabilities/stablecoin-payments): Send and receive stablecoins alongside fiat with one API.
- [Cards](https://www.lightspark.com/capabilities/cards): Branded Visa cards issued under your program; interchange accrues to the platform.
- [Virtual accounts](https://www.lightspark.com/capabilities/virtual-accounts): Named accounts for receiving and reconciling funds.
- [Wallets](https://www.lightspark.com/capabilities/wallets): Self-custody wallet infrastructure for user balances.
- [Stablecoin issuance](https://www.lightspark.com/capabilities/stablecoin-issuance): Issue your own stablecoin and keep the reserve economics.
- [Ramps](https://www.lightspark.com/capabilities/ramps): Move between bank rails and on-chain balances.
- [Rewards](https://www.lightspark.com/capabilities/rewards): Reserve rewards on balances accrue to the platform.
- [Swaps](https://www.lightspark.com/capabilities/swaps): Convert across fiat and stablecoins at execution time.
- [Agentic payments](https://www.lightspark.com/capabilities/agentic-payments): Spend-controlled accounts and cards for AI agents.

## Solutions

- [Global payouts](https://www.lightspark.com/solutions/global-payouts): Payout infrastructure for platforms and marketplaces.
- [Remittance](https://www.lightspark.com/solutions/remittance): Cross-border consumer transfers; powers SoFi's international money transfer service.
- [B2B payments](https://www.lightspark.com/solutions/b2b-payments): Business-to-business settlement across currencies.
- [Embedded finance](https://www.lightspark.com/solutions/embedded-finance): Accounts, cards, and payments inside your product.
- [Treasury](https://www.lightspark.com/solutions/treasury): Hold, convert, and move funds across currencies and rails.
- [Payroll and EOR](https://www.lightspark.com/solutions/payroll-eor): Pay global workforces in local currency.

## Who it serves

- [Financial apps](https://www.lightspark.com/businesses/financial-apps)
- [Neobanks](https://www.lightspark.com/businesses/neobanks)
- [Marketplaces](https://www.lightspark.com/businesses/marketplaces)
- [Creator platforms](https://www.lightspark.com/businesses/creator-platforms)
- [On-demand platforms](https://www.lightspark.com/businesses/on-demand-platforms)
- [Payments platforms](https://www.lightspark.com/businesses/payments-platforms)
- [Messaging platforms](https://www.lightspark.com/businesses/messaging-platforms)
- [Sports and gaming](https://www.lightspark.com/businesses/sports-gaming)

## Proof

- [Coinbase](https://www.lightspark.com/customers/coinbase): Connecting 100M+ customers to real-time payments.
- [SoFi partnership](https://www.lightspark.com/news/lightspark/sofi-lightspark-announcement): Powers SoFi's international money transfer service.
- [MiCA license, Estonia](https://www.lightspark.com/news/lightspark/lightspark-mica-license-estonia): First MiCA CASP and EMI license in Estonia.
- [Licenses](https://www.lightspark.com/licenses): Regulatory licenses and registrations.
- [About](https://www.lightspark.com/about): Company background. Backed by a16z and Paradigm ($175M raised). Note: Lightspark the payments company is unrelated to the open-source Flash player project of the same name.

## Developers

- [Documentation](https://docs.lightspark.com): Public API docs, quickstarts, and sandbox. The platform API is named Grid.
- [Docs llms.txt](https://docs.lightspark.com/llms.txt): Machine-readable index of the developer documentation.
- [FAQ](https://www.lightspark.com/faq): Common questions on payments, accounts, and billing.

## Optional

- [News](https://www.lightspark.com/news): Announcements and insights.
- [Contact](https://www.lightspark.com/contact): Book a demo or talk to the team.