Voltage rolls out USD-settled Bitcoin Lightning credit line for businesses

Bitcoin infrastructure institution Voltage has announced the motorboat of Voltage Credit, a programmatic revolving enactment of recognition designed to fto businesses nonstop payments with Lightning-style instant finality portion inactive repaying the recognition enactment successful US dollars from a modular slope relationship oregon successful Bitcoin.

In a Thursday merchandise shared with Cointelegraph, the company, which provides enterprise-grade solutions for regulated businesses, said it was targeting main fiscal officers and treasurers who wanted “send now, wage later” flexibility connected the fastest outgo rails available, without having to clasp crypto connected their equilibrium sheet.

Rather than positioning it arsenic conscionable different Lightning-backed loan, Voltage pitched the merchandise arsenic an embedded portion of the outgo flow, and the “first revolving enactment of recognition that delivers instant outgo finality and the capableness to settee wholly successful USD.”

CEO Graham Krizek told Cointelegraph that portion players similar Stripe and Block blended faster payments with moving capital, they didn’t embed a revolving recognition installation straight into Lightning payments successful the mode Voltage does, adding that Stripe did not enactment Lightning astatine all.

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In the Block model, helium said, Lightning and recognition stay abstracted workflows, whereas Voltage lets businesses originate recognition and instantly usage it to nonstop oregon person Lightning and stablecoin payments successful existent time, without pre-funding oregon manual treasury movements.

Underwriting against outgo flows, not static BTC collateral

Voltage said it departs from accepted crypto lending by underwriting against outgo flows alternatively than static Bitcoin (BTC) collateral. 

Because Voltage already powers the underlying Bitcoin and Lightning infrastructure, it tin size and set recognition limits based connected the measurement a concern processes done its platform. 

“Voltage Credit is the lender of grounds successful our platform,” Krizek said, noting that the institution originated each loans itself and was not relying connected a bank, paper web oregon third-party fintech to money the lines.

Krizek said the level carries a 12% yearly percent output (APY) that accrues regular connected outstanding balances, with a level flat interest plan intended to debar transaction-based pricing that gets much costly arsenic volumes scale. 

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He said that revolving lines of recognition themselves are not new, but what is caller is bringing that “familiar fiscal construct” into an situation wherever Bitcoin and Lightning determination wealth instantly and globally.

“We are efficaciously modernizing the revolving recognition exemplary truthful it operates astatine net speed, alternatively than astatine the gait of bequest banking and paper networks,” helium said.

From $1 cardinal aviator to organization Lightning rails

The motorboat builds connected Voltage’s caller relation supporting a $1 cardinal Lightning Network payment betwixt Secure Digital Markets and Kraken connected Feb. 5, a aviator that was framed arsenic the biggest publically reported transaction connected the network. 

Krizek said that occurrence was meant to trial Lightning’s suitability for institutional-sized flows and that the web “is susceptible of handling monolithic outgo volumes and is acceptable for institutional-scale use.”

$1 cardinal successful a azygous Lightning transaction. Source: SDM

Voltage Credit is initially disposable to qualified US‑headquartered businesses, Krizek said, saying the institution tin presently service each US states but California, Nevada, North Dakota, Vermont and Washington, D.C., arsenic a registered commercialized lender. 

Early traction, helium added, has travel from exchanges, Bitcoin miners, gaming platforms and outgo processors looking to trim idle moving capital, debar forced BTC liquidations and span Bitcoin‑denominated gross with US dollar‑denominated expenses without relying connected unpredictable off‑ramps.

The Lightning Network reached an all-time capableness high successful December 2025 of 5,606 BTC amid accrued adoption from large crypto exchanges and functionality improvements. Demand has stalled somewhat since then, falling to 5,121 BTC arsenic of Monday.

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