Voltage Boosts Lightning Payments with USD Credit Lines

• Voltage unveils a USD-settled revolving credit line to integrate Bitcoin’s Lightning Network with traditional finance.
• Innovative underwriting utilizes payment flows, not collateral, to determine credit limits.

On February 19, 2026, Voltage announced via a press release the launch of "Voltage Credit," a USD-settled revolving line of credit embedded within Bitcoin’s Lightning Network. This groundbreaking service allows businesses to send and receive Lightning Network payments instantly while settling transactions in US dollars.

Voltage Credit is designed to enable businesses to leverage the Lightning Network's speed and efficiency without the complexities of managing cryptocurrency on their balance sheets. Under this innovative model, firms can use Bitcoin’s Lightning Network for fast payment processing and repay their credit through traditional bank accounts or Bitcoin reserves.

Departing from conventional crypto lending practices, which typically require collateralized loans backed by static Bitcoin holdings, Voltage Credit introduces a dynamic underwriting model. Credit limits are determined by payment flows through the Voltage platform rather than relying on fixed collateral. This approach aligns credit availability with business activity, offering greater flexibility for transactional scaling.

The launch of Voltage Credit underscores the growing maturity of the Lightning Network as an infrastructure for high-value payments. Recently, Voltage successfully supported a $1 million transaction on the network, highlighting its ability to handle significant institutional payment demands effectively.

According to Graham Krizek, CEO of Voltage, the launch of Voltage Credit resolves a key challenge for businesses considering Bitcoin-based payment systems. The service eliminates the need for cryptocurrency management on corporate balance sheets while preserving the cost-efficiency and rapid processing benefits of the Lightning Network.

Voltage Credit is expected to appeal to both crypto-native businesses and traditional enterprises by lowering barriers to adoption and simplifying integration with Bitcoin technology. This aligns with Voltage’s overarching goal of advancing corporate adoption of the Lightning Network and fostering its broader use within global financial systems.

As of February 19, 2026, 15:08 UTC, Bitcoin (BTC) is trading at $66,489.87, reflecting a 1.32% decline over the past 24 hours, according to CoinMarketCap.