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Global payments without settlement delays

Lightning infrastructure is the stack that enables instant cross-border Bitcoin and stablecoin payments. Speed combines routing, liquidity, treasury settlement, APIs, and stablecoin delivery into a single real-time payments layer. Traditional payment systems were built for banking hours. Lightning infrastructure was built for the internet.

Global payments without settlement delays

Lightning infrastructure is the stack that enables instant cross-border Bitcoin and stablecoin payments. Speed combines routing, liquidity, treasury settlement, APIs, and stablecoin delivery into a single real-time payments layer. Traditional payment systems were built for banking hours. Lightning infrastructure was built for the internet.

Speed Lightning

Under 3 seconds, flat

Lightning Network payments settle before you finish this sentence.
That's not a typo.

Lightning Network settles stablecoins in 0.4s on average. Funds hit your wallet before the receipt loads.

Up to 90% lower fees

Fractions of a cent per transaction. Keep your margins.
Grow your business, not your fees.

Auto-convert BTC to USDT/USDC at the point of payment. You invoice in USD, you receive USD value.

Zero chargebacks. Mathematically

Lightning payments are cryptographically final.
Once settled — that's it. Done. Can't undo it.

100+ countries, one API call

No correspondent banks. No currency friction.
If they have the internet, they can pay you.

The old way

T+2 to T+5 settlement

Your money is somewhere between a spreadsheet and a wire room,
doing nothing useful.

Wire transfers and ACH batch processes hold your revenue for days. Cash flow suffers.

2.9% + $0.30 per transaction

Card networks charge you a toll for every order.
Scale up and you're just paying them more.

Accepting raw crypto means every dip erodes your margins before you can liquidate.

Chargebacks hit harder

The customer says they didn't order.
The bank agrees. You lose the product and the money.

Geography is your ceiling

Can't accept from 40 countries. FX fees eat the rest.
Your global ambitions, locally capped.

Correspondent banks, FX desks, and blocked corridors make global payouts a nightmare.

Speed

The old way

Settlement time

Instant (<3s)

T+2 to T+5 settlement

Transaction fees

Up to 90% lower fees

2.9% + $0.30 per transaction

Chargeback risk

Zero chargebacks. Mathematically

Chargebacks hit harder

Global Reach

100+ countries, one API call

Geography is your ceiling

What is Lightning payment infrastructure?

Lightning payment infrastructure is the backend layer that lets businesses accept, route, settle, and manage Lightning Network payments at scale. Instead of banking delays, Bitcoin payments move instantly through optimized Lightning channels, with settlement into BTC, USDT, or USDC.

What is Lightning payment infrastructure?

Lightning payment infrastructure is the backend layer that lets businesses accept, route, settle, and manage Lightning Network payments at scale. Instead of banking delays, Bitcoin payments move instantly through optimized Lightning channels, with settlement into BTC, USDT, or USDC.

Zero barriers to entry for global transactions

Payment routing

Liquidity management

Stablecoin settlement

Treasury orchestration

APIs and webhooks

Multi-chain payouts

Compliance and transaction monitoring

Real-time settlement reporting

Speed combines these into a single API-first infrastructure layer for internet-scale payments.

Built for money that refuses to wait

Speed is the production-tested, API-first lightning payment gateway built for instant settlement, massive payment volume, and businesses tired of waiting on banks. Whether you're processing micropayments, cross-border supplier settlements, or high-volume eCommerce transactions, Speed provides the infrastructure layer required for real-time digital money movement.

Built for money that refuses to wait

Speed is the production-tested, API-first lightning payment gateway built for instant settlement, massive payment volume, and businesses tired of waiting on banks. Whether you're processing micropayments, cross-border supplier settlements, or high-volume eCommerce transactions, Speed provides the infrastructure layer required for real-time digital money movement.

Customer pays via Lightning

Scan. Tap. Paid. Bitcoin moves instantly over Lightning. No mempool waiting.

Scan. Tap. Paid.
Bitcoin moves instantly over Lightning. No mempool waiting.

Step1

Customer pays via Lightning

Scan. Tap. Paid. Bitcoin moves instantly over Lightning. No mempool waiting.

Step1

Lightning infrastructure finds the fastest route

Speed routes Lightning payments through liquidity channels in milliseconds.

Step2

Lightning infrastructure finds the fastest route

Speed routes Lightning payments through liquidity channels in milliseconds.

Step2

Instant payment validation & settlement

Lightning infrastructure validates and settles payments in no time.

Step4

Instant payment validation & settlement

Lightning infrastructure validates and settles payments in no time.

Step4

Instant payment validation & settlement

Lightning infrastructure validates and settles payments in no time.

Step4

Funds arrive instantly

BTC, USDT, or USDC settles to your wallet or treasury. End-to-end in seconds.

Step3

Funds arrive instantly

BTC, USDT, or USDC settles to your wallet or treasury. End-to-end in seconds.

Step3

Funds arrive instantly

BTC, USDT, or USDC settles to your wallet or treasury. End-to-end in seconds.

Step3

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Lightning infrastructure built for modern internet businesses

From checkout to treasury settlement, Speed’s Lightning infrastructure powers real-time Bitcoin and stablecoin payments across the globe.

Lightning infrastructure built for modern internet businesses

From checkout to treasury settlement, Speed’s Lightning infrastructure powers real-time Bitcoin and stablecoin payments across the globe.

Dynamic Liquidity Injection

No channel depletion risk. Automated systems track outbound path weights and rebalance network routes as traffic shifts.

Dynamic Liquidity Injection

No channel depletion risk. Automated systems track outbound path weights and rebalance network routes as traffic shifts.

Programmatic treasury logic

Define your accounting rules. Auto-route funds with conditional liquidity across cold storage systems on autopilot.

Programmatic treasury logic

Define your accounting rules. Auto-route funds with conditional liquidity across cold storage systems on autopilot.

Instant cross-asset settlement

Bypass conversion friction. Settle L2 transactions directly into USDT or USDC on ERC20 or TRC20.

Instant cross-asset settlement

Bypass conversion friction. Settle L2 transactions directly into USDT or USDC on ERC20 or TRC20.

Clustered node high availability

No single point of failure. Multi-region nodes run parallel channels to keep payment flows live under grid strain.

Clustered node high availability

No single point of failure. Multi-region nodes run parallel channels to keep payment flows live under grid strain.

Idempotent execution pipeline

State changes are cryptographically signed, broadcast, and auto-retried for enterprise-grade reliability and resilience.

Idempotent execution pipeline

State changes are cryptographically signed, broadcast, and auto-retried for enterprise-grade reliability and resilience.

Unified SDK integrations

Fast merchant interfaces. Lightweight APIs drive smooth payment flows across application layers seamlessly.

Unified SDK integrations

Fast merchant interfaces. Lightweight APIs drive smooth payment flows across application layers seamlessly.

Engineered for modern business models

Whatever your vertical, Speed's Lightning infrastructure removes the friction that's been holding your payments back.

Engineered for modern business models

Whatever your vertical, Speed's Lightning infrastructure removes the friction that's been holding your payments back.

Pay suppliers globally. Instantly.

Companies paying suppliers across jurisdictions without correspondent banking. Speed replaces SWIFT legs with Lightning + stablecoin delivery.

Settlement in under 3 seconds

No FX conversion fees

USDT/USDC to any chain

Full API control

Start moving money faster

Checkout faster than banks.

Customers pay in Bitcoin. Merchants receive USDT or USDC instantly without volatility, chargebacks, or payment delays.

Shopify + WooCommerce plugins

Webhook-triggered fulfillment

Zero chargeback risk

Instant conversion

Turn Bitcoin into business

Payments that don’t disappear.

Reliable global payment rails for high-risk merchants needing programmable and compliant settlement infrastructure.

Stablecoin settlement worldwide

No sudden processor shutdowns

Multi-chain payout support

API-first payment controls

Build without payment blocks

Lightning rails for treasury flows.

Route inbound Bitcoin through Lightning and settle instantly into stablecoin treasury infrastructure.

Treasury config API

Lightning-powered routing

Cold storage batching

Exchange off-ramp hooks

Move treasury at Lightning speed

Level up digital payments.

Sell skins, stream access, and API usage while accepting instant Lightning micropayments from users.

Sub-cent payments

Instant confirmation

No card network fees

Programmable fulfillment

Start accepting micropayments

Built for money that moves fast

Move money between entities with real-time settlement infrastructure built for compliance-heavy operations.

Audit log export

AML monitoring layer

KYB/KYC support

SLA-backed uptime

Talk to our payments team

Speed vs. legacy settlement rails

See why businesses choose Speed's lightning stablecoin settlement infrastructure over traditional processors.

Speed vs. legacy settlement rails

See why businesses choose Speed's lightning stablecoin settlement infrastructure over traditional processors.

Capability

Settlement time

Stablecoin output

Cross-border cost

API-first design

Auto BTC conversion

KYB / AML compliance


Speed

<3 seconds

USDT + USDC, 6 networks

Lightning fees only

REST + Webhooks

Built-in, rule-based

Built-in layer

Stripe

2–7 days rolling

Fiat Only

3.5%+ international fee

REST API

No

Stripe-handled

BITPAY

10 min – 1 hr (on-chain)

Some, with delays

1% processing fee

Basic API

Manual

Limited

Speed

Other Payments

Settlement time

<3 seconds

2–7 days rolling

Transaction fees

USDT + USDC, 6 networks

Fiat Only

Asset support

Lightning fees only

3.5%+ international fee

Chargeback risk

REST + Webhooks

Basic API

Security level

Built-in, rule-based

No/Manual

Speed vs legacy rails and crypto processors

Every alternative solves part of the problem. Speed solves all of it at the infrastructure layer.

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FinCEN-US Compliant

Enterprise-grade security

Built with the highest security standards and regulatory compliance to protect your business and customers.

Enterprise-grade security

Built with the highest security standards and regulatory compliance to protect your business and customers.

SOC2 Type 2

SOC2 Type 2

Audited security controls and processes

Audited security
controls and processes

Audited security controls and processes

PCI-DSS

PCI-DSS

Payment card industry compliance

Payment card industry compliance

ISO 27001

ISO 27001

Information security management

Information security management

KYC/AML

KYC/AML

Complete compliance framework

Complete compliance framework

More about security

Frequently asked questions

Everything about stablecoin settlement with Speed's Lightning payment infrastructure.

Frequently asked questions

Everything about stablecoin settlement with Speed's Lightning payment infrastructure.

What is the difference between Lightning payments and traditional processors?

How fast are Lightning Network payments with Speed?

Can businesses settle Lightning payments into stablecoins?

What are the benefits of Lightning payments for businesses?

How do developers integrate Speed’s Lightning infrastructure?

How does Lightning infrastructure reduce payment costs?