Voltage introduces Voltage Credit, the first programmable revolving credit facility designed for Bitcoin’s Lightning Network. This tool allows businesses to execute global payments instantly without having to tie up their own funds upfront, as the infrastructure injects liquidity into digital channels based on the technical demands of each transaction.
According to a Voltage document released on February 19 this year, there are no fees for opening a credit channel and the annual interest rate is fixed. Targeted at all audiencesThis is because they emphasize that their aim is to reach not only users with Bitcoin experience, but also businesses in traditional sectors.
The tool uses Bitcoin and the Lightning Network as payment instruments, so financial managers can choose traditional bank transfers in USD or BTC to resolve debts, payments, and settlements. The platform ensures instant final settlement without forcing companies to manage Bitcoin on their balance sheets. Users pay interest only on time and exact amount Avoid risks associated with exchange rate fluctuations.
Voltage explained that the system works by assessing a company’s creditworthiness through the amount of revenue processed and integrating through an API that automates lending in real-time. The key to this mechanism is Preventing companies from holding idle capital Facilitate the instant movement of value within payment rails, compliant with enterprise risk management.
This solution directly addresses the following technical issues: Inflow and outflow liquidity affecting the current institutional nodewhich acts as a financial bridge between traditional credit and Bitcoin’s Layer 2 efficiency.
Unlike the traditional Lightning Network system, which operates similar to a prepaid card that needs to be refilled with funds in advance, Voltage Credit works like a business credit card Liquidity is available on demand. This programmatic architecture simplifies technology adoption by international organizations by eliminating the need to post deposits or block own funds to pay suppliers. Ultimately, the service eliminates the operational complexity of manually managing channel liquidity and marks the transition to a pay-as-you-go model in Bitcoin infrastructure.
