Lightspark forremittances
Send money home in seconds. Rates lock at quote and deliver on local rails, in 65+ countries.
Lightspark API
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The problem
Sending money home costs money. And days.
Remittance is one of the most expensive kinds of payment there is: corridor fees, FX spreads buried in the rate, agents on both ends, and days in transit. The people sending it can least afford the cut, and the people receiving it can least afford the wait.
The delay isn’t incidental. A transfer crosses a chain of intermediaries, each holding the money a little longer, each taking a little more, and none of them accountable to the person waiting on the other side. For the products carrying these transfers, that’s the whole competition: whoever delivers more of the money, faster, wins the corridor.
How it works
The sender pays in one currency. Family receives in theirs.
The sender starts a transfer in your product. The Lightspark API returns a quote with the exchange rate locked and every fee visible: what’s sent, what arrives, nothing hidden in the spread. The sender confirms an exact number rather than an estimate, and the rate holds while they decide.
On confirmation, the transfer routes to the local rail on the other side: PIX in Brazil, UPI in India, SPEI in Mexico, and delivers in the recipient’s currency, instant where rails support it. Webhooks and receipts track every transfer end to end, so the sender watches the money land instead of wondering where it went.
USD
MXNCustomers
Trusted with money that matters most.
30+countries for international money transfers“For many SoFi members who regularly send money to loved ones internationally, the ability to instantly transfer money at low cost isn’t just a convenience, it’s a meaningful improvement to their everyday financial lives. By embedding this directly into SoFi’s app, we’re unlocking the value of blockchain technology to give members faster, smarter, and more inclusive access to their money.”
Capabilities
Corridors in 65+ countries. Settled in real time.
Corridors reach 65+ countries on local rails, settled in real time where the rail supports it. More of the money arrives, and sooner.
Sender pays in one currency, recipient receives in another, into bank accounts, wallets, and mobile money providers in 65+ countries.
- Austria
- Bangladesh
- Belgium
- Benin
- Brazil
- Bulgaria
- Cameroon
- China
- Colombia
- Croatia
- Cyprus
- Czech Republic
- Denmark
- Dominican Republic
- Egypt
- El Salvador
- Estonia
- Finland
- France
- Germany
- Ghana
- Greece
- Guatemala
- Haiti
- Honduras
- Hong Kong
- Hungary
- Iceland
- India
- Indonesia
- Ireland
- Italy
- Ivory Coast
- Kenya
- Latvia
- Liechtenstein
- Lithuania
- Luxembourg
- Malawi
- Malaysia
- Malta
- Mexico
- Morocco
- Netherlands
- Nigeria
- Norway
- Pakistan
- Philippines
- Poland
- Portugal
- Romania
- Rwanda
- Senegal
- Singapore
- Slovakia
- Slovenia
- South Africa
- Spain
- Sweden
- Switzerland
- Tanzania
- Thailand
- Uganda
- United Arab Emirates
- United Kingdom
- United States
- Vietnam
- Zambia
Lightspark auto-routes each payment to the optimal rail for the currency, country, and amount. Instant where the rail supports it.
Quotes lock the exchange rate for 1 to 15 minutes depending on corridor, with exact fees, rate, and receiving amount shown before execution.
Exact fees, exchange rate, and receiving amount are shown before the transfer executes. Expired quotes recreate instantly with a fresh rate.
Identity checks, business verification, sanctions screening, risk review, and the requirements attached to each supported corridor.
Quote, execute, webhook. Every payment reports status through signed webhooks with exponential retry.
Integration
One quote carries the transfer end to end.
Every transfer starts as a quote: rate locked, fees itemized, the sending or receiving side fixed. Funding is your choice of model, and the two mix: spend from a prefunded balance and execute, or go just in time, where the quote returns payment instructions and the transfer runs the moment they’re paid, so no float sits in the corridor. Either way, webhooks report every state change until the money lands.
Get started
Build remittance worth switching for.
Start with one API, a sandbox, and the objects you already know: customers, accounts, quotes, transactions, and webhooks.