Bringing an Open Protocol for Global Money Movement in the Internet Age

At Lightspark, we’re on a mission to build an open money protocol—one that’s truly designed for the Internet age.

Today, how money moves worldwide still relies on infrastructure built in the 1970s. It’s slow, expensive, and unavailable when people need it most. Unlike the seamless, always-on nature of the internet, our financial system is constrained by outdated rails that weren’t built for real-time, global commerce.

Money should move as quickly as email—borderless, instant, and open. That’s what we’re working on at Lightspark:  enabling financial institutions to send and receive payments in real time, across borders, with compliance built in.

This is all made possible by UMA—Universal Money Address. UMA is an open-source protocol that lets anyone send money the same way we send email: fast, intuitive, and globally interoperable. It gives wallets, banks, and fintechs the tools to deliver modern, real-time payment experiences to their customers without having to reinvent infrastructure.

This is just the beginning. We’re helping forward-thinking institutions modernize cross-border payments by replacing friction with speed and cost with value.

Want to see what this looks like in action?

Book a meeting with our team and explore how Lightspark can help your business leave outdated payment rails behind.