Crypto: Voltage Rolls Out Usd-settled Bitcoin Lightning Credit Line For...

Voltage has launched a US dollar‑settled revolving credit line that plugs directly into Bitcoin and Lightning payment flows, letting businesses send instant, Lightning‑style payments.

Bitcoin infrastructure company Voltage has announced the launch of Voltage Credit, a programmatic revolving line of credit designed to let businesses send payments with Lightning-style instant finality while still repaying the credit line in US dollars from a standard bank account or in Bitcoin.

In a Thursday release shared with Cointelegraph, the company, which provides enterprise-grade solutions for regulated businesses, said it was targeting chief financial officers and treasurers who wanted “send now, pay later” flexibility on the fastest payment rails available, without having to hold crypto on their balance sheet.

Rather than positioning it as just another Lightning-backed loan, Voltage pitched the product as an embedded piece of the payment flow, and the “first revolving line of credit that delivers instant payment finality and the capability to settle entirely in USD.”

CEO Graham Krizek told Cointelegraph that while players like Stripe and Block blended faster payments with working capital, they didn’t embed a revolving credit facility directly into Lightning payments in the way Voltage does, adding that Stripe did not support Lightning at all.

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In the Block model, he said, Lightning and credit remain separate workflows, whereas Voltage lets businesses originate credit and immediately use it to send or receive Lightning and stablecoin payments in real time, without pre-funding or manual treasury movements.

Voltage said it departs from traditional crypto lending by underwriting against payment flows rather than static Bitcoin (BTC) collateral.

Because Voltage already powers the underlying Bitcoin and Lightning infrastructure, it can size and adjust credit limits based on the volume a business processes through its platform.

“Voltage Credit is the lender of record in our platform,” Krizek said, noting that the company originated all loans itself and was not relying on a bank, card network or third-party fintech to fund the lines.

Source: CoinTelegraph