BitGo adds Lightning Network support, combining near-instant, low-cost bitcoin payments with nationwide regulatory licensing coverage, qualified custody and insurance.

Key Takeaways:

  • BitGo Inc., the digital asset infrastructure company, and BitGo Bank & Trust, N.A., an OCC-regulated digital asset trust bank, (together "BitGo") offer Crypto-as-a-Service ("CaaS"), enabling businesses to embed the Lightning Network directly into their core offerings and give their users access to near-instant, low-cost bitcoin transactions.

  • BitGo's CaaS adds 50-state regulatory coverage, qualified custody, and up to $250 million in insurance coverage on top of Lightning's speed and low cost payments network.

  • Automatic node and liquidity management is handled through a strategic partnership with Voltage.

What is Crypto-as-a-Service and the Bitcoin Lighting Network?

BitGo's Crypto-as-a-Service is a modular solution designed for businesses looking to offer crypto to their users. By leveraging BitGo's existing licenses and APIs, businesses can embed crypto functionality to their frontend, like bitcoin trading or securely holding digital assets in qualified custody wallets, without navigating backend compliance and infrastructure from scratch.

Lightning Network is a Layer 2 protocol built on top of bitcoin that enables faster, cheaper, and more scalable transactions by creating off-chain payment channels that settle back to the base chain, preserving bitcoin's security while delivering far greater throughput.

What CaaS Lighting Unlocks for Your Crypto Offering

BitGo's CaaS adds the qualified custody, insurance, and regulatory coverage. Lightning delivers the speed and low cost. Together, they give businesses one integrated solution for fast, cheap and compliant bitcoin payments. Here's what that can unlock for your business and your users:

  • Near-instant settlement: Transactions confirm in milliseconds, not minutes or hours, enabling real-time bitcoin payments

  • No network fees: Off-chain routing bypasses bitcoin miner fees entirely, reducing the cost per transaction compared to on-chain transfers

  • Enhanced privacy: Only the final settlement hits the blockchain. Individual payment flows remain off-chain and private

  • True micropayments: Users can send fractions of a cent worth of bitcoin economically, unlocking use cases that weren’t viable with higher transaction fees

Who Can Benefit from CaaS Lightning

CaaS Lightning is purpose-built for businesses that want to embed fast, low-cost bitcoin payments into their product. For example, if you are a:

  • Neobank or fintech: Add Lightning as a native payment rail alongside fiat and enable instant bitcoin sends at near-zero cost for your user

  • Exchange or trading platform Enable Lightning deposits and withdrawals to reduce on-chain congestion and fee pressure at scale

  • Payments platform: Enable auditable bitcoin transfers between users, instantly

  • Consumer or retail application: Micropayments and in-app bitcoin purchases are economically viable through Lightning's low fee transactions

Offer Quick and Seamless Bitcoin Payments to Your Users

Lightning on its own is powerful. Combined with BitGo's CaaS, it becomes deployable at scale. removing the licensing barriers and operational complexity so businesses can offer fast, cheap bitcoin payments nationwide.

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About BitGo

BitGo is the digital asset infrastructure company, delivering custody, wallets, staking, trading, financing, and settlement services from regulated cold storage. Since our founding in 2013, we have been focused on accelerating the transition of the financial system to a digital asset economy. With a global presence and multiple regulated entities, BitGo serves thousands of institutions, including many of the industry's top brands, exchanges, and platforms, and millions of retail investors worldwide.