Voltage launches Voltage Credit, a programmatic revolving line of credit that enables instant finality in payments via Lightning, with repayment in USD through bank accounts or in Bitcoin.

The credit uses revenue-based underwriting, growing limits with actual transaction volume and providing programmatic access across Voltage’s platform on existing rails.

CEO says Voltage Credit lets businesses choose USD or Bitcoin payments depending on what fits, removing the need to hold crypto on the balance sheet.

The product targets enterprise needs like settlement delays, chargeback exposure, and high legacy payment costs, offering instant Bitcoin settlement finality with low fees and without forced crypto exposure.

No origination fees and a fixed APR on outstanding balances, currently available to qualified U.S. businesses.

The lending model features no origination fees and a straightforward fixed APR for balances, limited to qualified U.S. entities.

Fidelity describes Lightning as a scalable payments layer expanding beyond P2P to broader business use, with rising adoption in 2024.

Lightning Network reached a record capacity in December 2025 and remains a key enabler for institutional-scale payments, with capacity around 5,000+ BTC as adoption grows.

Lightning Labs released open-source AI tools to manage Lightning payments and nodes, enabling autonomous, programmatic transactions.

Industry activity includes Coinbase integrating Lightning for about 15% of BTC volume, Steak ’n Shake adding $10 million to its BTC treasury post-Lightning rollout, SoFi using Lightspark for international transfers, and Cash App enabling Lightning and stablecoin payments.

Lightning Network is a second-layer Bitcoin protocol for off-chain, instant payments with on-chain finality when channels close, reducing fees and confirmation times.

Voltage’s rollout follows a $1 million Lightning Network payment pilot between Secure Digital Markets and Kraken, highlighting institutional interest in Lightning for large-volume flows.