Revolutionizing Corporate Finance: Voltage Debuts Programmatic Revolving Credit Line for Instant Lightning Network Payments

Voltage, a prominent leader in Bitcoin infrastructure, has officially unveiled "Voltage Credit," a groundbreaking programmatic revolving credit line specifically tailored for enterprise-scale Lightning Network payments. This launch marks a significant milestone in the convergence of traditional corporate finance and decentralized payment technology. For years, businesses looking to leverage the speed and low cost of the Lightning Network faced a major hurdle: the "liquidity trap." Companies were often forced to either pre-fund their channels by purchasing and holding Bitcoin—exposing their balance sheets to volatility and accounting complexity—or manage cumbersome treasury movements to ensure liquidity was available for instant settlements.

Voltage Credit effectively eliminates these barriers. It functions as a true revolving credit facility, allowing businesses to draw capital on demand to execute payments that settle with instant finality over Bitcoin rails. The most transformative aspect of this product is its flexibility in settlement; businesses can initiate payments in seconds and subsequently repay their credit line in U.S. Dollars (USD) from a standard corporate bank account, or in Bitcoin if they prefer. This "send now, pay later" model provides the liquidity needed for global operations without requiring the enterprise to ever touch or hold cryptocurrency directly on its balance sheet.

A key differentiator from traditional lending or existing crypto-backed loans is Voltage’s underwriting model. Instead of relying solely on static collateral or personal guarantees, Voltage utilizes revenue-based underwriting. Since Voltage powers the underlying payment infrastructure for its clients, it has real-time visibility into transaction volumes. This allows credit limits to scale dynamically alongside a business’s growth and actual usage.

The timing of this debut is noteworthy, following Voltage’s instrumental role in facilitating a historic $1 million Lightning Network transaction between Secure Digital Markets and Kraken earlier this month. That event demonstrated that the Lightning Network is no longer just for micropayments but is capable of handling institutional-grade volume. Graham Krizek, CEO of Voltage, emphasized that this product is designed for the modern CFO who demands the efficiency of 24/7/365 settlement but operates within a fiat-denominated world. By providing a familiar financial instrument—the revolving line of credit—on top of the world’s fastest payment network, Voltage is positioning Bitcoin not just as an asset, but as the premier global settlement layer for all businesses. Currently, Voltage Credit is available to qualified US-headquartered businesses, offering a 12% APR with no origination fees, making it a highly competitive alternative to legacy wire and card infrastructure.

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