Lightspark

Lightspark is a payments infrastructure company that describes itself as "the API for money" and as open infrastructure for moving money worldwide. Through a single integration, clients can send, receive, hold, spend and convert money in any currency, fiat or stablecoin, across more than 65 countries. Its product lines are grouped into four areas: Global Accounts (a dollar account for each of a client's users, card-enabled and with cash-out in 65+ countries); Payments (payouts, pay-ins, on/off ramps, cross-border transfers, stablecoin payments and agentic payments); Accounts & Cards (named virtual accounts, self-custody wallets, branded Visa cards, client-issued stablecoins and rewards); and DeFi & Trading (deposits and withdrawals between bank rails and on-chain balances, and swaps across fiat, stablecoins and Bitcoin).

The company's technical foundation is Bitcoin and the Lightning Network. Earlier coverage describes Lightspark as building software that lets participants connect to the Lightning Network without its historic cost and latency problems, and as pursuing a model where cross-border transfers convert a sending currency into Bitcoin and then into the recipient's local currency. Enterprise products named by the company include Connect, UMA (Universal Money Address), Spark (a Bitcoin Layer 2 announced in October 2024 and made live in April 2025) and Grid, launched in October 2025 for real-time global money movement powered by Bitcoin. Lightspark states SOC 2 Type II, NIST CSF and ISO 27001 security postures and completed SOC 2 Type 1 compliance in June 2024.

Named partners and customers referenced on the company's site and in its news archive include SoFi, Coinbase, Revolut, Nubank, Bitso, Shakepay, Unocoin, Yellow Card, Foxbit, BtcTurk | Kripto, Bitybank, Transfero, BlockBee, Cross River, Lithic and Hercle. A 2024 Fortune article noted that Stripe, Coinbase and Nubank were trying out Lightspark's tools, and that the company declined to disclose user or revenue figures at that time.