Lightspark forembedded finance
Accounts, cards, and money movement inside your product. Your brand on the surface; Lightspark runs the rails underneath.
Lightspark API
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The problem
Your users’ money lives everywhere except your product.
Users earn in your product, then leave it to do anything with the money: a bank to hold it, a card from someone else to spend it, a transfer service to move it. Every exit is engagement handed to another company, and revenue handed with it.
Building the alternative used to mean becoming a bank: licenses, custody, compliance, card programs, and years of partner work before the first account opened. So most products settle for the payout: send the money away and watch someone else hold it, move it, and monetize it. The deeper relationship, and the economics that come with it, belong to whoever runs the account.
How it works
One integration. A full financial life.
One API call creates the customer; hosted KYC verifies them; their account exists before your welcome email sends. Every user gets a dollar account under your brand: a self-custody wallet only their device can move funds out of.
Money flows in from bank rails or stablecoins, on deposit details unique to each account, crediting automatically. Users spend the balance with virtual or physical Visa debit cards at 175M+ merchants, with interchange revenue flowing back to your platform. Or they cash out to bank accounts in 65+ countries on local rails, authorized from their own device. Webhooks track every movement, so your ledger always agrees with reality.
Capabilities
A complete dollar account. Cards, cash-out, and Bitcoin.
Everything the account does ships with it: holding, spending, cashing out, and moving across chains, with compliance operations handled underneath.
Every user gets a durable dollar account inside your product: a self-custody wallet only their device can move funds out of.
Support local and global banking rails, including PIX, UPI, SEPA, FPS, and more corridors coming online.
Let users spend from the same balance with virtual or physical cards, locally and globally, anywhere Visa is accepted.
Move dollars into USDC, USDT, USDB, and other supported stablecoins across Base, Solana, Ethereum, Spark, Arbitrum, Tron, and more.
Because Global Accounts run on Spark, users can hold Bitcoin alongside dollars and swap instantly without leaving the account.
Lightspark handles identity checks, business verification, sanctions screening, risk review, and the compliance requirements attached to supported corridors.
Integration
The account is three calls. Test it in sandbox first.
Create the customer, fetch the account that was provisioned for them automatically, and fund it instantly in sandbox: the full request shape can be tested before production money moves. The hard parts are already packaged: provisioning, rails, wallet authorization, webhook events, and signed withdrawals.
Get started
Ship the account. Not the bank behind it.
Start with one API, a sandbox, and the objects you already know: customers, accounts, quotes, transactions, and webhooks.