Bitcoin Remittance Infrastructure
Cross-border payment infrastructure on Bitcoin rails. Instant settlement, sub-cent fees, and 24/7 availability. Replace SWIFT with Lightning and stablecoins.
Cross-border payments are still broken
Traditional remittance corridors take 3-5 business days to settle through correspondent banking networks. Customers pay 5-8% in fees, plus currency conversion markups at each hop. Transactions don't process on weekends or bank holidays. SWIFT transfers move through multiple intermediaries, each adding cost and delay. The final recipient often waits days to access funds, and your business absorbs the liquidity cost of float during transit. The infrastructure was built for the 1970s, not for instant global commerce.
What we do
Instant cross-border payments on Bitcoin rails
Sub-second settlement worldwide
Lightning Network payments settle in under a second anywhere in the world. No correspondent banks, no multi-day clearing, no weekend blackouts. Funds arrive instantly, 24/7/365.
Stablecoins for price stability
USDT and USDB stablecoins let your customers send value without bitcoin volatility. Recipients get dollars, not sats. Conversion happens at the protocol layer, not through external exchanges.
Self-custodial, no pooled funds
Every transaction is peer-to-peer. No pooled custodial accounts, no regulatory burden from holding customer funds. Recipients control their own keys and can withdraw to any wallet.
One SDK for BTC, Lightning, and stablecoins
Bitcoin, Lightning, USDT, and USDB in a single integration. No stitching together multiple chains or managing separate liquidity pools. All rails share the same wallet infrastructure.
Why Spark
How Bitcoin remittance works on Spark
Customer initiates transfer in their local currency
Your platform converts fiat to stablecoins (USDT or USDB) or bitcoin at the point of deposit. Users send dollars or euros, you settle the equivalent on Bitcoin rails.
Payment routes over Lightning Network
The transfer moves through Lightning channels in under a second. No correspondent banks, no SWIFT messages, no multi-day clearing. The recipient's wallet address is the only routing target.
Recipient receives stablecoins or bitcoin instantly
Funds land in the recipient's self-custodial wallet immediately. They control the private keys. No holding period, no withdrawal delays, no custodial intermediary.
Off-ramp to local currency or hold in stablecoins
Recipients can cash out to their local bank account through your platform's liquidity partners, or hold the stablecoins in their wallet for future use. Bitcoin and stablecoins are programmable: recipients have full flexibility.
Settlement finality in seconds, not days
Unlike traditional remittance, there's no float period. Settlement is final the moment the Lightning payment completes. Your business doesn't hold funds in transit or manage multi-day liquidity.
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
Spark is transformative. It redefines what Bitcoin can be, evolving it from a monetary network into an application platform.
FAQ
SWIFT transfers take 3-5 business days and cost 5-8% in fees through correspondent banks. Spark settles in under a second over Lightning and costs a fraction of a cent. SWIFT doesn't work on weekends or holidays. Spark runs 24/7.
No. Your platform handles the conversion. Recipients see their local currency value or stablecoins in their wallet. They don't need to understand Lightning channels or on-chain transactions.
Use stablecoins (USDT or USDB) for transfers. The value stays pegged to the dollar during transit. Bitcoin is available as an option, but stablecoins eliminate price risk.
Lightning supports micropayments and large transfers equally well. There's no technical minimum. Maximum depends on your liquidity setup and regulatory limits, not protocol constraints.
Because Spark is self-custodial, you're not holding customer funds. Regulatory requirements depend on your jurisdiction and business model. Many operators find the non-custodial structure simplifies compliance compared to traditional money transmission.
Start building on Bitcoin remittance rails
Spark provides the infrastructure to move money across borders instantly. Replace correspondent banking with Lightning and stablecoins.