Grid Switch
Access the Money Grid
using domestic real-time rails
Scale faster with Lightspark
Digital banks and wallets use Grid Switch to access the Money Grid using domestic real-time payment systems, enabling instant, cheap, and global money transfers.
Enter new markets fast. Add corridors without overhead, no new licenses, no new infra.
Any amount, at scale. From micro-payments to millions.
Built-in compliance. Including travel rule, and OFAC screening.
Developer-ready. Intuitive APIs, SDKs, and docs designed to reduce lift and accelerate integration.
Real-time. Transaction speeds with
final settlement in seconds.
Expand reach. Compete with global players—even with a lean team.
How it works
Sender initiates a transfer in Euros (EUR) from a European bank account.
Funds are instantly pulled via SEPA.
The funds are converted from EUR to BTC via the [EUR Switch].
BTC is sent over The Money Grid via the Lightning Network, being used a neutral settlement asset.
The funds are converted from Bitcoin to Philippine pesos (PHP) via the [PHP Switch].
Funds are instantly pushed to the receiver Philippine bank account via InstaPay.
Endpoints
Wallets
Custodial wallets
Self-custody wallets
Mobile wallets
Hardware wallets
Lightning-native wallets
Banks
Digital banks
Traditional banks
Exchanges
Centralized exchanges (CEXs)
Decentralized exchanges (DEXs)
On/off-ramp providers
Liquidity providers
Businesses
Merchant platforms
B2B marketplaces
P2P marketplaces
Payout endpoints
Embedded finance platforms
SaaS billing systems
Consumers
Global remittance users
Gig economy workers
Freelancers / cross-border earners
Crypto-native users
Grid Switch countries
Asia
Bahrain
البحرين
Botswana
Cameroun
République Centrafricaine
Côte d'Ivoire
Egypt
مصر
Guinea-Bissau
Guinée
Guinée Equatoriale
India
Israel
Jordan
الأردن
Kenya
Kuwait
الكويت
Madagascar
Mali
Maroc
Maurice
Mozambique
Niger
Nigeria
Oman
عُمان
Qatar
قطر
المملكة العربية السعودية
Sénégal
South Africa
Tunisie
Uganda
United Arab Emirates
الإمارات العربية المتحدة
North America
Canada (English)
Canada (Français)
Puerto Rico (English)
United States
Asia Pacific
Australia
中国大陆
Hong Kong
香港
Indonesia
日本
대한민국
澳門
Malaysia
New Zealand
Philippines
Singapore
台灣
ไทย
Việt Nam
Europe
Armenia
Azerbaijan
België
Belgique
България
Česko
Danmark
Deutschland
Eesti
España
France
Georgia
Ελλάδα
Hrvatska
Ireland
Italia
Kazakhstan
Kyrgyzstan
Latvija
Liechtenstein
Lietuva
Luxembourg
Magyarország
Malta
Moldova
Montenegro
Nederland
North Macedonia
Norge
Österreich
Polska
Portugal
România
Россия
Slovensko
Slovenia
Schweiz
Suisse
Suomi
Sverige
Tajikistan
Türkiye
Turkmenistan
United Kingdom
Україна
Uzbekistan
South America
Anguilla
Antigua & Barbuda
Argentina
Barbados
Belize
Bermuda
Bolivia
Brasil
British Virgin Islands
Cayman Islands
Chile
Colombia
Costa Rica
Dominica
República Dominicana
Ecuador
El Salvador
Grenada
Guatemala
Guyana
Honduras
Jamaica
México
Montserrat
Nicaragua
Panamá
Paraguay
Perú
St. Kitts & Nevis
St. Lucia
St. Vincent & The Grenadines
Suriname
The Bahamas
Trinidad & Tobago
Turks & Caicos
Uruguay
Venezuela
Compatible domestic payment networks
Africa
Asia
Asia Pacific
Europe
North America
South America
Grid Switch uses Universal Money Address (UMA) — the open protocol powering cross-border transactions. UMA enables 24/7, low-cost global payments using just an address, built for compliance and designed to scale.
"The partnership with Lightspark, which has developed an excellent technical solution is another step in Nubank’s mission to provide the best solutions for our customers and reinforce our long-term relationship with all of them." Thomaz Fortes, ED, Nubank Crypto
