Voltage introduces a revolving credit program that allows businesses to use the Lightning Network for immediate payments.
Voltage, a company specializing in Bitcoin infrastructure, has announced the launch of Voltage Credit, a revolving credit line that enables companies to make payments with instant finality via the Lightning Network, repaying the funds in U.S. dollars from a regular bank account. The solution targets businesses that want to leverage Bitcoin’s payment capabilities without holding the asset on their corporate balance sheet.
According to Voltage, the product fills a structural gap in corporate finance. Traditional banks rarely provide revenue-based loans denominated in BTC, while existing digital asset credit solutions often require locking bitcoin as collateral, creating potential tax events and exposure to price volatility, the company stated.
Voltage presents the product as a solution for companies facing payment delays, chargeback risks, and high costs from legacy payment systems.
How the credit line works
The credit line is based on a revenue-based credit assessment: credit limits are determined and scaled according to the transaction volume actually processed through Voltage’s infrastructure. CEO Graham Krizek said:
“Until now, using Bitcoin for payments meant managing cryptocurrency on your balance sheet. Voltage Credit eliminates that tradeoff. Send payments instantly over Lightning, denominated in USD or Bitcoin based on what fits your business, and deploy your capital toward growth.”
The line carries no opening fees and applies a fixed annual percentage rate on outstanding balances. The product is available to qualified U.S. businesses.
The launch of Voltage Credit follows a $1 million transaction executed on January 28 between Secure Digital Markets and Kraken, facilitated by Voltage. This was the first public seven-figure operation on the Lightning Network, settled almost instantly and with minimal fees.
