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A simplified solution that redefines global payments

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Universal Money Address

Universal Money Address (UMA) is an open-source standard that enables integrators, whether virtual asset service provider or app or anything else, to allow their end users to send fiat in real-time across borders.

Open

Open source standard for any currency any country, and always on 24/7.

Fast

Move money with final settlement in near real-time.

Low Cost

UMA-enabled wallets can deliver low-cost transactions to help get best rates.

Easy addressing

UMA has human-readable, personalized addresses that are easy to remember and share.

Real-time FX

Facilitates conversion of any fiat or cryptocurrency when using UMA.

Interoperability

An UMA-enabled account can send to any UMA-enabled account, whether from a different wallet, exchange, or bank. Subject to the terms of each account provider.

Built-in Compliance

UMA workflows meet your regulatory requirements including sanctions screening, transaction pre-screening, and post-transaction monitoring consistent with industry standards.

End-to-End Encryption

Provides an encrypted communication channel to send required information, before or simultaneously, with the payment.

Invites

Use a built-in invite system to grow your user base.

Lightspark for UMA

Lightspark products built for UMA provide simple, enterprise-grade solutions that support your customer base and allow for real-time, global, fiat payments.
UMA Auth
An extension of the UMA standard that allows users to delegate authorization for third-party applications and platforms to perform operations using their UMA wallet.

  • Simplified addressing

    Human-readable addresses for a simple payment experience.

  • Real-time cross-border payments

    Quote and agree upon a currency exchange rate between sending and receiving virtual asset service providers in real-time through the Universal Money Address (UMA) open standard.

  • Compliance-ready

    Leverage native compliance tools for Know Your Customer (KYC), and anti-money laundering (AML) transaction monitoring to meet your compliance obligations.

UMA Request
UMA Request simplifies the connection to the Lightning Network by providing a reliable data structure for payment coordination and proof of payment.

  • UMA Invoice Structure

    Allows the sender to process payments directly, without the need for back-and-forth communication between banks, virtual asset service providers, or payment processors.

  • Proof of Payments

    Securely verify your payments by reconciling Lightning invoices.

  • Idempotency Key

    Ensures that redundant actions are handled consistently to avoid errors.

  • Invoice Format

    Adheres to familiar structured invoice formats to present details with increased functionality.

  • Extendable Format

    Easy to adapt flexible design that allows for adding new features or details without breaking the existing setup.

  • Secure Encoding

    Safety first formatting method to keep invoices safe and compatible with the right systems.

For Developers

Lightspark is developer-ready with our robust APIs and SDKs. With just a few lines of code, you can enable real-time global transactions for your digital wallet, exchange, or application.

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