Voltage Rolls Out USD-Settled Bitcoin Lightning Credit Line for Businesses

AUSTIN, Texas – February 19, 2026 – Voltage, a Bitcoin infrastructure provider, today announced the launch of Voltage Credit, a revolving line of credit designed to deliver instant payment finality with the option to settle entirely in USD. This new product allows businesses to send payments that clear in seconds, rather than days, and repay their credit line in dollars from a standard bank account or in Bitcoin.

Addressing Enterprise Pain Points

Voltage Credit aims to solve key challenges faced by enterprises utilizing Bitcoin for payments, including settlement delays, chargeback exposure, and the costs associated with traditional payment rails. The solution enables businesses to tap into a revolving credit line on demand, move value instantly using Bitcoin rails, and avoid holding cryptocurrency on their balance sheet. According to Voltage CEO Graham Krizek, “Businesses shouldn’t have to choose between the speed and cost advantages of Bitcoin rails and the financial flexibility they need to operate.” Voltage

How Voltage Credit Works

The product offers a programmatic revolving credit line that integrates directly into Bitcoin and Lightning payments. Businesses can send instant payments with Lightning-style finality and repay the credit line in either U.S. Dollars from a standard bank account or in Bitcoin. Cointelegraph This embedded approach differentiates Voltage Credit from other solutions, such as those offered by Block, where Lightning and credit remain separate workflows. Cointelegraph

Scaling Based on Transaction Volume

Unlike traditional credit lines based on static collateral, Voltage Credit’s limits scale with actual transaction volume. PRNewswire This feature is designed to support businesses as they grow and increase their payment volume. The system works with both Lightning and on-chain transactions.

Building on Previous Milestones

The launch of Voltage Credit follows the company’s success in powering the first publicly reported $1 million Lightning Network payment between Secure Digital Markets and Kraken, demonstrating the readiness of Lightning for institutional-scale settlement. PRNewswire

Voltage’s Broader Infrastructure

Voltage provides infrastructure for various financial platforms, including financial exchanges, iGaming companies, digital wallets, and neo-banks. Voltage The company focuses on enabling swift, permissionless payments with near-zero fees and reliable settlement, addressing the limitations of legacy payment rails. Voltage Its API-driven solutions aim to simplify Lightning integration and mitigate fees for its clients.

Key Takeaways

• Voltage Credit offers a revolving line of credit with instant payment finality and USD settlement.
• The credit line scales based on transaction volume, not static collateral.
• The product integrates directly into Bitcoin and Lightning payment flows.
• Businesses can repay the credit line in USD or Bitcoin.
• Voltage provides infrastructure for a range of financial applications, including exchanges, iGaming, and digital wallets.