Voltage, a prominent provider of Bitcoin infrastructure, has introduced Voltage Credit, an innovative revolving line of credit designed to revolutionize business payments. This new solution allows enterprises to send payments over Bitcoin rails with instant settlement, all while settling entirely in U.S. dollars. Voltage Credit addresses the longstanding issues of settlement delays, chargeback exposure, and high costs often associated with traditional, legacy payment systems.

The core functionality of Voltage Credit enables businesses to draw from a flexible credit line, facilitating payments that clear in mere seconds, thereby circumventing the significant delays inherent in conventional settlement processes. A key advantage is that businesses repay the utilized credit line in U.S. dollars directly from their bank accounts. This eliminates the necessity for businesses to pre-fund accounts or maintain cryptocurrency on their balance sheets, simplifying treasury operations and accounting significantly.

Voltage positions this product as a robust solution that grants businesses access to the benefits of Bitcoin settlement infrastructure, such as instant payment finality and remarkably low fees, without compelling them into cryptocurrency exposure. This launch builds upon Voltage's established capabilities, exemplified by its role in facilitating a $1 million Lightning Network payment between Secure Digital Markets and Kraken, which the company cited as a demonstration of its institutional-scale settlement prowess.

Distinct from typical Bitcoin lending products, Voltage Credit operates as a true revolving credit facility. This means businesses only draw the specific amount of credit they require, accrue interest solely on the outstanding balance, and restore their available credit upon repayment. The underwriting model for credit limits is revenue-oriented, reflecting the transaction volume processed through Voltage's infrastructure. The product is versatile, supporting value movement over both the high-speed Lightning Network and traditional on-chain Bitcoin transactions.

Voltage Credit caters to a diverse range of clients, including both crypto-native companies and traditional enterprises exploring the advantages of Bitcoin payment infrastructure. For entities operating outside the crypto ecosystem, Lightning settlement offers lower costs and faster settlement compared to some legacy rails, and Voltage Credit delivers these benefits without requiring the management of crypto assets. Within the digital asset space, where traditional financing often considers Bitcoin revenue unsupported for underwriting, and crypto lending products typically demand BTC as collateral—leading to taxable events and exposing treasuries to market volatility—Voltage Credit provides a compelling alternative. This innovative credit solution carries no origination fees and applies a fixed annual percentage rate (APR) on outstanding balances. Voltage has confirmed that this product is available to qualified U.S. businesses.