Voltage is looking to remove one of the biggest hurdles preventing enterprises from fully embracing Bitcoin payments: working capital friction.
The Bitcoin infrastructure company announced the launch of Voltage Credit, a revolving line of credit that allows businesses to send instant payments over Bitcoin rails while settling entirely in U.S. dollars if they choose. The new offering aims to combine the speed of the Lightning Network with the financial flexibility CFOs require.
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For many enterprises, adopting Bitcoin-based payments has meant navigating settlement volatility, treasury complexity, and balance sheet exposure to cryptocurrency. Voltage Credit is designed to eliminate that tradeoff. Businesses can draw on a revolving credit line to move funds in seconds and repay the balance in USD from a traditional bank account — or in Bitcoin, depending on their preference.
“Businesses shouldn’t have to choose between speed and financial flexibility,” said Graham Krizek, CEO of Voltage. “Until now, using Bitcoin for payments often meant holding crypto on your balance sheet. Voltage Credit allows companies to send instant payments while keeping their treasury strategy intact.”
The launch follows Voltage’s role in powering what was reported as the first $1 million Lightning Network transaction between Secure Digital Markets and Kraken — a milestone that signaled Lightning’s readiness for institutional-scale settlement. With Voltage Credit, the company is extending that infrastructure beyond payments into operational finance.
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Unlike retail-focused crypto lending products that rely on static collateral, Voltage Credit functions as a true revolving business credit facility. Companies draw only what they need, pay interest only on what they use, and immediately replenish available credit upon repayment. Credit limits can increase alongside transaction volume, supported by revenue-based underwriting tied directly to activity on the Voltage platform.
The product also offers flexibility across payment rails, supporting both Lightning Network and on-chain Bitcoin transactions. Repayment in USD eliminates the need for forced Bitcoin liquidation, reducing volatility risk and simplifying accounting processes.
“For CFOs and treasury teams, this addresses a real operational challenge,” said Bobby Shell, Vice President of Marketing at Voltage. “Companies can access instant settlement and lower fees without introducing unnecessary complexity or crypto exposure. It’s working capital built for how businesses actually operate.”
Voltage Credit is drawing interest from both crypto-native companies and traditional enterprises evaluating Bitcoin infrastructure for the first time. For digital asset firms such as exchanges and payment providers, access to scalable working capital without locking up BTC as collateral could reduce tax and balance sheet pressure. For more traditional businesses, the appeal lies in gaining instant, global settlement capabilities while maintaining a USD-based treasury model.
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The product carries no origination fees and applies a fixed APR to outstanding balances. Voltage Credit is currently available to qualified businesses in the United States.
As Bitcoin infrastructure continues maturing beyond speculative use cases, Voltage is positioning itself at the intersection of payments and corporate finance — aiming to make instant settlement not just possible, but practical for enterprise operations.
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