Voltage has introduced Voltage Credit, a USD-settled revolving credit line embedded directly into Bitcoin and Lightning payment flows, allowing businesses to send instant payments while repaying balances in US dollars or bitcoin.
The company said the product is designed for CFOs and treasurers seeking “send now, pay later” flexibility without holding crypto on their balance sheets, positioning it as the first revolving line of credit delivering instant payment finality with full USD settlement capability.
Chief executive Graham Krizek said the model differs from providers such as Stripe and Block by embedding credit directly into Lightning payments rather than keeping working capital and payment rails as separate workflows.
Voltage underwrites credit based on payment flows processed through its platform rather than static bitcoin collateral, adjusting limits dynamically as volumes scale and acting as lender of record without relying on third-party banks or fintech funding.
The platform carries a 12% annual percentage yield accruing daily on outstanding balances, combined with a flat platform fee model aimed at avoiding transaction-based pricing that rises with volume.
The launch follows Voltage’s support of a $1 million Lightning transaction between Secure Digital Markets and Kraken in February, demonstrating institutional-scale capacity on the network.
Voltage Credit is initially available to qualified US-headquartered businesses in most states, as the Lightning Network’s capacity, which reached a record 5,606 BTC in December 2025, has since eased to about 5,121 BTC amid shifting demand.
At the time of reporting, Bitcoin price was $67,219.20.