Voltage Credit was unveiled. It’s a programmable, renewable business credit line that allows payments within the Bitcoin blockchain ecosystem, with the option to repay in U.S. dollars or BTC.
Voltage announced the launch of Voltage Credit, a new financial product for companies using Bitcoin infrastructure for payments. It’s a renewable credit line that enables payments through the L2 Lightning Network or the L1 Bitcoin mainnet with instant confirmation. The product is already available to qualified legal entities in the U.S.
Voltage Credit functions like a classic revolving credit line. A limit is set for the company and can be used repeatedly as needed. Interest is charged only on the amount actually used.
Unlike traditional banks, Voltage analyzes not only collateral but also real transactional data flowing through its infrastructure, allowing it to account for revenue dynamics and operational activity, and automatically increase the credit limit as the company’s payment volume grows.
Before Voltage Credit, companies using Bitcoin for payments had three main options for managing liquidity:
- Pre-purchase BTC for payments, freezing working capital.
- Sell BTC to cover expenses, with tax implications and the risk of selling at an unfavorable rate.
- Limit the use of Bitcoin infrastructure and switch to traditional payment systems.
The new product eliminates these compromises. Companies can make payments immediately via the Lightning Network and repay later from a bank account in U.S. dollars or BTC. Other features of Voltage Credit include no fee to open the credit line and a fixed annual interest rate on the utilized balance.
A U.S. dollar credit line option is also available. In this case, payments are processed via Bitcoin infrastructure, but the company receives funds and repays the debt in U.S. dollars, while accounting and treasury processes remain unchanged.
The press release notes that the product is aimed not only at exchanges, mining companies, and crypto payment services. Traditional businesses are also showing interest in credit lines, looking to leverage the Lightning Network’s instant international payments with minimal fees, without holding cryptocurrency on the balance sheet or maintaining separate digital asset accounting.
