Lightspark Grid – Global Payments & Fiat/Crypto On/Off-Ramp API

Lightspark Grid is a unified global payments API that enables businesses to convert between fiat currencies, stablecoins, and Bitcoin in real time, serving as a programmable on/off-ramp infrastructure layer for fintechs, exchanges, and digital banks.

Product Overview

Built on Bitcoin as the underlying settlement layer, Grid operates 24/7 and is designed for institutional-scale on/off-ramp needs without requiring new banking licenses or custom infrastructure. A single REST API abstracts the complexity of multi-rail global payments and currency conversion.

Key Features

• Fiat-to-crypto on-ramps: Bridge traditional finance with the digital asset ecosystem, moving between fiat currencies, stablecoins, and Bitcoin in real time
• Crypto-to-fiat off-ramps: Settle digital asset holdings back to fiat via bank transfers and stablecoin-fiat rails
• FX conversion: Programmatic foreign exchange—get quotes, lock prices, and execute currency conversions through a single endpoint with automatic liquidity sourcing
• Regional payment rail integrations: Connect to ACH, SEPA, SWIFT, and other payment rails for cross-border settlement
• UMA (Universal Money Address): Open-source protocol enabling seamless fiat-and-crypto interoperability across wallets, exchanges, and banks—with automatic currency conversion on settlement
• Compliance-ready architecture: Built-in controls across jurisdictions with no additional licensing burden

Use Cases

Grid supports cross-border transfers, contractor and gig worker payouts, debit card issuance, pay-ins and collections, FX conversion, payroll, and treasury management. UMA adds a human-readable address layer on top of Lightning Network rails, supporting compliance-ready cross-currency transfers with open-source SDKs.

Why Choose Lightspark

Lightspark's Bitcoin-native, developer-first platform is trusted by Coinbase, Revolut, and SoFi. Grid eliminates the need for multiple banking relationships or infrastructure investments, delivering real-time global settlement at low, transparent per-transaction pricing.