Introducing Voltage credit: A revolving line of credit that moves at the speed of Lightning

In 1958, Bank of America did something radical. They mailed 60,000 unsolicited credit cards to residents of Fresno, California, no applications, no approval process, just plastic in the mailbox. It was chaotic. It was risky. And it fundamentally changed how the world moves money. Before that moment, credit was slow, manual, and reserved for the privileged few. After it, credit became infrastructure. It became invisible. It became the backbone of modern commerce. Today, we're announcing Voltage Credit. We believe this is that inflection point, not for consumers this time, but for businesses ready to move money on Bitcoin rails.

The Liquidity Trap Is Strangling Your Business

If you operate a business that uses Bitcoin, or if you've considered using Bitcoin rails for payments, you already know the problem. Traditional Bitcoin lending was built for individual holders looking to borrow against their assets without selling. These products are static, collateral-based, and completely disconnected from the most valuable signal a business has: its cash flow. But you're not borrowing against a personal portfolio. You're running an operation. You have payroll. You have invoices denominated in USD. You have vendors who don't care about your Bitcoin thesis, they want dollars, and they want them on time. Until now, you've faced a difficult tradeoff:

Option A: Pre-fund to access Bitcoin rails. To send payments over Lightning or on-chain, you need Bitcoin in position before the payment goes out. That means converting USD to BTC ahead of time, tying up working capital, and guessing how much liquidity you'll need.

Option B: Sell Bitcoin every time you need to cover an expense. Trigger taxable events. Create accounting complexity. Liquidate at unfavorable times because the bill is due today.

Option C: Avoid Bitcoin rails entirely. Stick with legacy payments. Pay the interchange fees. Wait days for settlement. Accept that instant finality and near-zero cost are advantages you can't access.

None of these options are ideal. And until today, none of them were fully avoidable.

Voltage Credit: The Operational Engine for Modern Commerce

Voltage Credit is the first fully programmatic, revolving line of credit where payments travel over Bitcoin for instant finality, but everything can settle in dollars. Read that again, because this is a first of its kind. This is not a static loan designed to let you hold and hope. This is not a lump-sum balloon payment you service from Day 1. This is a true revolving credit line, like the corporate credit facilities Fortune 500 companies use, built on top of the fastest payment network on Earth. Credit limits scale with your payment volume, and if your business holds Bitcoin or stablecoins, that liquidity can strengthen your position further.

Send now. Pay later. On your terms with a USD Line of Credit

You need to make a payment. A merchant payout, a supplier invoice, payroll for your team. Instead of liquidating assets or managing crypto on your balance sheet, you draw from your Voltage Credit line. The payment settles in seconds over Bitcoin rails with near-zero fees. Then you pay us back from your bank account, on your timeline. No selling Bitcoin just to make payroll. No taxable events. No explaining to your accountant why the books look like a crypto trading desk.

We Treat Bitcoin Like What It Is: Money

Here's what makes Voltage Credit fundamentally different from anything else on the market. Traditional banks don't understand your business. They look at your Bitcoin revenue and see volatility, risk, and question marks. They won't lend against it because they can't see it. We can. Because Voltage powers the underlying payment infrastructure, we have real-time visibility into the transaction volume flowing through your business. We don't just see your collateral, we see your revenue. We see your growth. We see the operational health of your business in a way that legacy financial institutions are structurally blind to. This allows us to extend credit that scales as you scale. Not a static loan based on a snapshot of your holdings, but a dynamic credit facility that grows with your payment flows.

Built for Every Business. Not Just Crypto Natives

Let's be clear about something: Voltage Credit is not just for Bitcoin companies. Yes, if you're an exchange, a miner, or a payment service provider already deep in the Bitcoin ecosystem, this product solves problems you've been wrestling with for years. But we're seeing just as much interest from traditional enterprises, companies outside crypto entirely, who recognize that Lightning Network offers something legacy rails cannot: instant, global settlement at a fraction of the cost. For these businesses, the barrier has never been technology. It's been the treasury complexity. The idea of holding Bitcoin, managing wallets, and navigating crypto accounting has kept them on the sidelines. That's exactly what a USD-denominated Voltage Credit line is designed for. Draw in dollars. Repay in dollars. The payments still settle instantly over Lightning with near-zero fees, but your balance sheet never touches cryptocurrency. No wallets to manage, no crypto accounting, no new treasury workflows. Your finance team operates exactly as it does today, just with faster, cheaper payments on the back end. The infrastructure handles the complexity. You just see the results.

The Details

No origination fees. Zero. Simple fixed APR on outstanding balances. You know exactly what you're paying. BTC or USD repayment. Pay us back from your bank account or btc. Works with Lightning and on-chain. Use whichever rail fits your use case. Currently available to qualified businesses in the United States.

The Future of Money Needs the Future of Credit

In 1958, Bank of America didn't just launch a product. They launched an infrastructure shift that took decades to fully unfold. Credit cards became credit networks. Credit networks became the invisible layer underneath global commerce. We believe Bitcoin is undergoing the same transformation. Lightning Network has already proven it can move value anywhere on Earth, instantly, for nearly free. The missing piece has been the financial infrastructure to make that capability accessible to every business, not just the ones with crypto treasuries and dedicated node operators. Voltage Credit is that missing piece. We started with payments and built the infrastructure that powers institutional-scale Lightning transactions. Now we're building the credit layer that lets any business, crypto-native or not, operate on Bitcoin rails without compromise. This is the moment. The rails are ready. The credit is live. Join the onboarding waitlist.