Bitcoin for Neobanks
Add Bitcoin, Lightning, and stablecoins to your banking app with one SDK. Self-custodial infrastructure built for digital banks.
Trusted by teams like Tether, Breez, and Xverse building on Spark
Adding Bitcoin to banking apps is complex
Digital banks want to offer Bitcoin and stablecoins, but integrating crypto requires managing multiple vendors for custody, Lightning infrastructure, and stablecoin rails. Traditional custody solutions force neobanks to hold user funds and navigate heavy licensing requirements. The fragmented experience across Bitcoin on-chain, Lightning payments, and stablecoin transfers creates a disjointed UX. Meanwhile, compliance teams struggle to coordinate KYC and AML across disparate systems. Most neobanks abandon Bitcoin integration after facing this complexity.
What we do
One SDK for Bitcoin, Lightning, and stablecoins
Self-custodial by design
Users control their own keys. No custody license needed, no liability from holding customer funds. Embed Bitcoin into your banking app without regulatory overhead.
Instant deposits and transfers
Bitcoin deposits settle instantly with submarine swaps. Lightning payments finalize in seconds. USDT and USDB transfers process in real time on Flashnet.
Unified wallet balance
BTC and stablecoins live in the same wallet. Users can send, receive, and convert between assets without jumping between separate apps or interfaces.
White-label ready
Customize every UI component to match your brand. Available for iOS, Android, web, and server-side integrations. Deploy in weeks, not months.
Why Spark
Five steps to launch Bitcoin in your banking app
Install the Spark SDK
Add the SDK to your mobile or web app. Choose between Swift, Kotlin, React Native, or JavaScript libraries depending on your stack.
Configure self-custodial wallets
The SDK generates non-custodial wallets for each user. Keys are stored on-device or in your secure enclave. You never touch user funds.
Enable deposits and withdrawals
Users deposit Bitcoin via on-chain or Lightning. Deposits become spendable instantly using submarine swaps. Withdrawals settle on Lightning or Bitcoin mainnet.
Add stablecoin support
Enable USDT and USDB transfers on Flashnet. Users can hold stablecoins alongside Bitcoin in the same wallet balance.
Launch to your users
Roll out Bitcoin and stablecoin features to your banking customers. Monitor usage, compliance, and performance from the Spark dashboard.
Products
Instant Bitcoin Deposits
Receive on-chain bitcoin in seconds with 0-conf
Self-Custodial Lightning
Full Lightning send and receive, no nodes or channels
Bitcoin Buy and Sell
The cheapest way to buy and sell bitcoin directly to a self-custodial wallet
Bitcoin Rewards
Distribute bitcoin rewards and incentives at scale
Cross-Chain Bitcoin Swaps
The fastest, cheapest way to move bitcoin into stablecoins and other assets
Stablecoin Issuance
Issue and manage stablecoins natively on Bitcoin
Trusted by the world's best neobank builders.
From wallets to stablecoin issuers, the best teams ship on Spark.Spark and WDK unlock programmable, resilient Bitcoin over Lightning: instant global payments without compromising custody or privacy.
We care deeply about network effects. Issuing on Spark is a no-brainer for Brale, it has the potential to bring billions of people to stablecoins.
Our goal is to make Xverse the definitive home of BitcoinFi, and integrating Spark is a monumental step.
Spark is transformative. It redefines what Bitcoin can be, evolving it from a monetary network into an application platform.
We're excited to build on Spark to unlock powerful Bitcoin-based rails for all the users we serve without requiring them to be crypto-native.
Flashnet couldn't exist without Spark. It's the best infrastructure for building real money apps on Bitcoin, period.
FAQ
No. Spark is self-custodial by default, meaning users control their own keys and you never hold their funds. This eliminates the need for custody licenses in most jurisdictions. You should still consult your legal team about local regulations.
Spark uses submarine swaps to make deposits spendable immediately. When a user deposits Bitcoin on-chain, Spark fronts the liquidity on Lightning so they can spend right away. The on-chain transaction settles in the background.
Spark supports USDT and USDB on Flashnet, a Bitcoin Layer 2 optimized for stablecoin transfers. Both stablecoins can be held and transferred in the same wallet as Bitcoin and Lightning balances.
Yes. Spark is white-label ready. You can customize colors, fonts, and components to match your existing banking app. The SDK provides low-level primitives so you can build your own UI from scratch if needed.
Most neobanks launch Bitcoin features in 4-8 weeks. Integration time depends on your team's familiarity with Bitcoin and how much you customize the UI. Spark provides sample apps and integration guides to speed up development.
Launch Bitcoin in your banking app
Schedule a demo to see how Spark powers Bitcoin and stablecoin features for digital banks.