- Voltage launched a revolving line of credit allowing instant Lightning payments with USD or Bitcoin repayment.
- The product is underwritten based on payment flow volume, not static Bitcoin collateral.
- It targets businesses wanting “send now, pay later” flexibility without holding crypto on their balance sheet.
- The platform has a 12% APY and is initially available to qualified U.S. businesses in most states.
Bitcoin infrastructure firm Voltage announced on Thursday the launch of Voltage Credit, a programmatic revolving line of credit designed for businesses. The product enables Lightning-speed payments while allowing repayment in US dollars from a standard bank account or in Bitcoin. This provides CFOs and treasurers with a “send now, pay later” model on fast payment rails without crypto balance sheet exposure.
CEO Graham Krizek positioned this as distinct from competitors, stating, “We are effectively modernizing the revolving credit model so it operates at internet speed.” He emphasized it embeds credit directly into Lightning payments, unlike separate workflows in other models. The service departs from traditional crypto lending by underwriting against payment flows, not static Bitcoin collateral.
Because Voltage powers the underlying infrastructure, it sizes credit limits based on platform transaction volume. Krizek confirmed Voltage Credit is the lender of record, originating all loans itself without third-party funding. The platform carries a 12% annual percentage yield (APY) accruing daily, with a flat fee structure to avoid escalating transaction costs.
The launch builds on a recent $1 million Lightning Network payment pilot between Secure Digital Markets and Kraken. That test demonstrated the network’s readiness for institutional-scale volumes. Voltage Credit is initially available to qualified U.S.-headquartered businesses in most states, excluding a few jurisdictions.
Early traction has come from exchanges, Bitcoin miners, and payment processors. These clients aim to reduce idle capital and bridge Bitcoin revenue with dollar expenses. Meanwhile, the Lightning Network’s capacity recently declined to 5,121 BTC after reaching an all-time high of 5,606 BTC in December 2025.
✅ Follow BITNEWSBOT on Telegram, Facebook, LinkedIn, X.com, and Google News for instant updates.
