Voltage has unveiled Voltage Credit, a programmatic revolving line of credit that allows businesses to originate Lightning-style Bitcoin payments while settling balances in US dollars or BTC. The product is designed for CFOs and treasurers seeking real-time payment capabilities without holding cryptocurrency on their balance sheets. Unlike traditional crypto lending, Voltage underwrites credit against active payment flows rather than static BTC collateral, enabling dynamic credit limits tied to transaction volume.
CEO Graham Krizek emphasized that Voltage integrates the credit line directly into Lightning payments, distinguishing it from platforms like Stripe or Block, where payments and credit remain separate workflows. The platform carries a 12% APY on outstanding balances and uses a flat platform fee to avoid escalating costs with higher transaction volumes. The credit facility allows businesses to bridge Bitcoin-denominated revenue with USD-denominated expenses efficiently.
The launch follows Voltage’s successful $1 million Lightning Network pilot between Secure Digital Markets and Kraken, demonstrating the network’s capacity for institutional-scale transactions. Voltage Credit is initially available to qualified US-headquartered businesses, excluding a few states, with early adoption from exchanges, gaming platforms, miners, and payment processors. The product positions Lightning payments as a scalable solution for working capital management in institutional crypto operations.
