# Voltage

> Global money infrastructure

Voltage lets businesses send and receive Bitcoin and USD instantly over the Lightning Network using a developer API.

Voltage helps exchanges, neo-banks, iGaming operators, and payment service providers process instant Bitcoin and USD payments over the Lightning Network. Users access payments through a developer API, choosing between a credit-backed or node-backed model, and can send and receive funds globally at near-zero fees. The platform also offers a revolving line of credit in USD or Bitcoin for businesses that need payment liquidity without pre-funding.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2020-01-01
- Profile: https://thegrid.id/profiles/voltage

## Products

- [Voltage Payments](https://thegrid.id/profiles/voltage): Voltage Payments is a Lightning Network payments API for businesses to send and receive Bitcoin and USD with near-instant settlement. The API provides endpoints for wallet management, payment initiation, BTC-to-USD quote locking, and real-time transaction tracking with webhook support. Businesses choose between two operating models: a credit-backed model where transactions settle at the end of a billing cycle without pre-funding, and a node model where clients operate cloud-hosted Lightning nodes with direct fund control. Includes a developer sandbox on MutinyNet for testing before production. (Payments Infrastructure & Orchestration, Live, Main Product)
- [Voltage Credit](https://thegrid.id/profiles/voltage): Voltage Credit is a revolving line of credit for businesses denominated in USD or Bitcoin, with payments processed over the Bitcoin Lightning Network. Businesses draw from the credit line to send instant payments over Lightning or on-chain, then repay from a bank account or in BTC on a set schedule. A USD-denominated line keeps cryptocurrency off the corporate balance sheet entirely. A BTC-denominated line serves businesses operating natively in Bitcoin, with credit limits that scale based on transaction volume. Carries zero origination fees and a fixed APR on outstanding balances. Available to qualified businesses in the United States, operated by Voltage Credit, LLC (NMLS ID: 2676234). (Centralised Borrowing & Lending, Early access)

## Links

- [Main](https://voltage.cloud)
- [Documentation](https://docs.voltage.cloud)
- [Blog](https://voltage.cloud/blog)
- [Media Kit/branding](https://voltage.cloud/branding-guide)
- [Privacy policy](https://voltage.cloud/privacy)
- [Terms of Service](https://voltage.cloud/terms)

## Legal

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Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
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- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP