Bitcoin infrastructure firm Voltage has launched Voltage Credit, a revolving line of credit enabling businesses to send instant Lightning Network payments while settling debts in U.S. dollars or Bitcoin. The product underwrites against payment flows rather than static Bitcoin collateral and carries a 12% annual yield. It builds on Voltage’s recent role in a $1 million Lightning transaction, with initial availability for qualified U.S. businesses.
Bitcoin infrastructure company Voltage has announced Voltage Credit, a programmatic revolving line of credit for businesses. The product allows instant Lightning Network payments while permitting repayment from a standard bank account or in Bitcoin.
The company is targeting financial officers seeking “send now, pay later” flexibility without holding crypto. CEO Graham Krizek stated that while players like Stripe and Block blend faster payments with working capital, they don’t embed credit directly into Lightning payments.
Voltage said it departs from traditional crypto lending by underwriting against payment flows rather than static Bitcoin collateral. Credit limits are sized based on the volume a business processes through its platform.
“Voltage Credit is the lender of record in our platform,” Krizek said, noting the company originates all loans itself. The platform carries a 12% annual percentage yield that accrues daily on outstanding balances.
The launch follows Voltage’s support of a $1 million Lightning Network payment in February, framed as the biggest publicly reported transaction. Krizek said that pilot tested the network’s suitability for institutional-sized flows.
Voltage Credit is initially available to qualified U.S.-headquartered businesses in most states. Early traction has come from exchanges, Bitcoin miners, gaming platforms, and payment processors.
The Lightning Network reached an all-time capacity high in December 2025 of 5,606 BTC. Demand has since stalled somewhat, falling to 5,121 BTC recently.
