# Lightspark Docs > Lightspark Grid is an API for global payments across fiat, stablecoins, and Bitcoin. This documentation helps developers understand the Grid API and integrate with it. ## Get started ### Overview - [Lightspark Docs](https://agents-docs.lightspark.com/index.md) - [What is Grid?](https://agents-docs.lightspark.com/platform-overview/introduction/what-is-grid.md) - [Capabilities](https://agents-docs.lightspark.com/platform-overview/capabilities.md) - [Use Cases](https://agents-docs.lightspark.com/platform-overview/use-cases.md): Discover what you can build with Grid - [Building with AI](https://agents-docs.lightspark.com/platform-overview/building-with-ai.md): Use AI coding assistants like Claude Code, Cursor, and Codex to explore, build, and debug with the Grid API - [FAQ](https://agents-docs.lightspark.com/platform-overview/introduction/faq.md) ### Core concepts - [Entities & Relationships](https://agents-docs.lightspark.com/platform-overview/core-concepts/entities.md): Understanding Grid's core data model - [Quote System](https://agents-docs.lightspark.com/platform-overview/core-concepts/quote-system.md): How exchange rates, pricing, and payment execution work - [Account Model](https://agents-docs.lightspark.com/platform-overview/core-concepts/account-model.md): Internal accounts, external accounts, and how they work together - [Transaction Lifecycle](https://agents-docs.lightspark.com/platform-overview/core-concepts/transaction-lifecycle.md): Follow a payment from creation to settlement - [Currencies & Payment Rails](https://agents-docs.lightspark.com/platform-overview/core-concepts/currencies-and-rails.md): Supported currencies, countries, and payment methods - [Configuration](https://agents-docs.lightspark.com/platform-overview/configuration.md): Configure your Grid integration ### Strong Customer Authentication - [Strong Customer Authentication](https://agents-docs.lightspark.com/platform-overview/sca/overview.md): How Grid satisfies PSD2 SCA for EU customers - [Per-transaction authorization](https://agents-docs.lightspark.com/platform-overview/sca/per-transaction-authorization.md): Authorize an SCA-gated money movement - [Factor enrollment](https://agents-docs.lightspark.com/platform-overview/sca/factor-enrollment.md): Enroll and manage a customer's TOTP and passkey factors - [Login & sessions](https://agents-docs.lightspark.com/platform-overview/sca/login-and-sessions.md): The end-user SCA login and the session it grants - [Trusted beneficiaries](https://agents-docs.lightspark.com/platform-overview/sca/trusted-beneficiaries.md): Whitelist a payee so future sends skip the per-transaction ceremony - [Two-factor reset](https://agents-docs.lightspark.com/platform-overview/sca/two-factor-reset.md): Recover a customer who has lost their SCA factor ## Build your flow ### Build your flow - [Build your flow](https://agents-docs.lightspark.com/flow-builder.md): Design your flow and get the API calls for your exact use case ## Global Accounts ### Overview - [Playground](https://agents-docs.lightspark.com/global-accounts/demo.md): Create a Global Account and watch the API calls fire in real time - [Global Accounts](https://agents-docs.lightspark.com/global-accounts/index.md): Give your customers a branded, self-custodial multi-currency account powered by Grid. - [Implementation overview](https://agents-docs.lightspark.com/global-accounts/implementation-overview.md): End-to-end walkthrough: create a customer, find their Global Account, register a passkey, fund the account, and execute a signed withdrawal. ### Account security - [Authentication](https://agents-docs.lightspark.com/global-accounts/authentication.md): Register, reauthenticate, and manage Global Account credentials (passkey, OAuth, email OTP) - [Client keys & signing](https://agents-docs.lightspark.com/global-accounts/client-keys.md): Generate the P-256 client key pair, hold the session signing key, and sign account actions on Web, iOS, and Android - [Sessions](https://agents-docs.lightspark.com/global-accounts/managing-sessions.md): List and revoke active sessions on a Global Account - [Exporting a wallet](https://agents-docs.lightspark.com/global-accounts/exporting-wallet.md): Let a customer take the seed of their Global Account off Grid ### Platform tools - [Webhooks](https://agents-docs.lightspark.com/global-accounts/platform-tools/webhooks.md): Receive webhook events for funding, withdrawals, and other account state changes on Global Accounts - [Sandbox testing](https://agents-docs.lightspark.com/global-accounts/platform-tools/sandbox-testing.md): Exercise the Global Account auth, signing, and funding flows without standing up real OTP delivery, WebAuthn, or OIDC providers - [Postman Collection](https://agents-docs.lightspark.com/global-accounts/platform-tools/postman-collection.md): Explore the Grid API for Global Accounts using the published Postman collection ## Agent Accounts ### Overview - [Playground](https://agents-docs.lightspark.com/agent-accounts/demo.md): Give an agent an account and watch the exact API calls fire as you go - [Agent Accounts](https://agents-docs.lightspark.com/agent-accounts/index.md): Let your customers' AI agents get paid, pay people and spend, from an account the customer owns, under limits and approvals Grid enforces. ### Add to your AI app - [Add Lightspark to your AI app](https://agents-docs.lightspark.com/agent-accounts/ai-app-connector.md): List Lightspark as a connector in your AI app so your users can open an account, get paid, pay people and run a business through your assistant, with no payments backend of your own. ### Build on the Agents API - [Agents API integration](https://agents-docs.lightspark.com/agent-accounts/implementation-overview.md): For Grid platforms: create agents for your customers, connect their agent software, delegate signing, fund the account, and handle approvals from your backend. - [Creating agents](https://agents-docs.lightspark.com/agent-accounts/creating-agents.md): Create an agent for a customer, connect the agent software with a one-time device code, and delegate signing on the customer's Global Account. - [Policies & permissions](https://agents-docs.lightspark.com/agent-accounts/policies-and-permissions.md): Bound what an agent can do with permissions, execution modes, spending limits, account restrictions and approval thresholds. - [Spending limits](https://agents-docs.lightspark.com/agent-accounts/spending-limits.md): Hold several of a customer's agents to one shared budget with spending pools, on top of each agent's own policy. - [Approvals & audit](https://agents-docs.lightspark.com/agent-accounts/approvals-and-audit.md): Show the customer what an agent wants to do, send their decision to Grid, and keep a history of every agent action. ### Moving money - [Funding](https://agents-docs.lightspark.com/agent-accounts/funding.md): Get money into the Global Account an agent spends from: platform deposits and quotes, bank transfers, pulls from the customer's own bank account or debit card, and agent-created Lightning invoices and stablecoin addresses. - [Payments](https://agents-docs.lightspark.com/agent-accounts/payments.md): How an agent quotes and sends money from the customer's Global Account, pays people by phone or email, and pays many people at once, within its policy. - [Cards](https://agents-docs.lightspark.com/agent-accounts/cards.md): Give agents their own virtual cards, single-use purchase cards for one purchase, recurring cards locked to one merchant, and bounded access to cards the customer already owns. ### Platform tools - [Webhooks](https://agents-docs.lightspark.com/agent-accounts/platform-tools/webhooks.md): Receive agent action, payout and payment webhooks for agent accounts, and verify their signatures - [Sandbox testing](https://agents-docs.lightspark.com/agent-accounts/platform-tools/sandbox-testing.md): Run the whole agent account flow in sandbox: create and connect agents, delegate signing, fund the account, approve actions, and simulate card charges ## Payouts & B2B ### Overview - [Payouts & B2B](https://agents-docs.lightspark.com/payouts-and-b2b/index.md) - [Core Concepts](https://agents-docs.lightspark.com/payouts-and-b2b/terminology.md): Core concepts and terminology for the Grid API - [Implementation Overview](https://agents-docs.lightspark.com/payouts-and-b2b/onboarding/implementation-overview.md) - [Quickstart](https://agents-docs.lightspark.com/payouts-and-b2b/quickstart.md): Send your first cross-border payment ### Onboarding - [Platform Configuration](https://agents-docs.lightspark.com/payouts-and-b2b/onboarding/platform-configuration.md): Configuring credentials, webhooks and currencies for your platform - [Configuring Customers](https://agents-docs.lightspark.com/payouts-and-b2b/onboarding/configuring-customers.md): Configuring customers for Payouts - [Disclosures](https://agents-docs.lightspark.com/payouts-and-b2b/onboarding/disclosures.md): Expose Lightspark's End User Terms and provide evidence of your consent flow ### Managing accounts - [Internal Accounts](https://agents-docs.lightspark.com/payouts-and-b2b/depositing-funds/internal-accounts.md): Learn how to manage internal accounts for holding platform and customer funds - [Rule-Based Accounts](https://agents-docs.lightspark.com/payouts-and-b2b/depositing-funds/rule-based-accounts.md): Issue dedicated USD account numbers or USDC and USDT deposit addresses that forward every incoming payment to a destination you choose - [External Accounts](https://agents-docs.lightspark.com/payouts-and-b2b/depositing-funds/external-accounts.md): Add and manage external bank accounts, wallets, and payment destinations for withdrawals and payouts - [Required Fields by Corridor](https://agents-docs.lightspark.com/payouts-and-b2b/depositing-funds/required-fields.md): Account and payer fields Grid needs per currency and rail ### Sending payments - [Depositing Funds](https://agents-docs.lightspark.com/payouts-and-b2b/depositing-funds/depositing-funds.md): Depositing funds into internal accounts - [ACH Pull](https://agents-docs.lightspark.com/payouts-and-b2b/depositing-funds/ach-pull.md): Debit a customer's US bank account to fund their Lightspark account - [Sending Payments](https://agents-docs.lightspark.com/payouts-and-b2b/payment-flow/send-payment.md): Learn how to send payments between accounts - [What Recipients See](https://agents-docs.lightspark.com/payouts-and-b2b/payment-flow/recipient-descriptors.md): The sender name and payment reference a recipient sees on their bank statement, by rail and corridor - [Assessing Fees](https://agents-docs.lightspark.com/payouts-and-b2b/payment-flow/assessing-fees.md): Charge your own fee on top of Grid's fees and collect it into your platform account - [List Transactions](https://agents-docs.lightspark.com/payouts-and-b2b/payment-flow/list-transactions.md): Query and filter payment history with powerful filtering and pagination options - [Periodic statements](https://agents-docs.lightspark.com/payouts-and-b2b/payment-flow/statements.md): What a periodic statement for a Grid account contains, and how to build one from Grid transaction data - [Receipts](https://agents-docs.lightspark.com/payouts-and-b2b/payment-flow/receipts.md): Send a compliant receipt to your customer for every completed transaction - [Reconciliation](https://agents-docs.lightspark.com/payouts-and-b2b/payment-flow/reconciliation.md): Match Grid transactions with your internal systems - [Error Handling](https://agents-docs.lightspark.com/payouts-and-b2b/payment-flow/error-handling.md): Handle payment failures, API errors, and transaction issues gracefully ### Global Accounts - [Global Accounts](https://agents-docs.lightspark.com/payouts-and-b2b/global-accounts/overview.md): Self-custody stablecoin accounts that plug into Grid payment flows - [Client keys & signing](https://agents-docs.lightspark.com/payouts-and-b2b/global-accounts/client-keys.md): Generate the P-256 client key pair, hold the session signing key, and sign account actions on Web, iOS, and Android - [Authentication](https://agents-docs.lightspark.com/payouts-and-b2b/global-accounts/authentication.md): Register, reauthenticate, and manage Global Account credentials (passkey, OAuth, email OTP) - [Sessions](https://agents-docs.lightspark.com/payouts-and-b2b/global-accounts/managing-sessions.md): List and revoke active sessions on a Global Account - [Exporting a wallet](https://agents-docs.lightspark.com/payouts-and-b2b/global-accounts/exporting-wallet.md): Let a customer take the seed of their Global Account off Grid ### Platform tools - [Webhooks](https://agents-docs.lightspark.com/payouts-and-b2b/platform-tools/webhooks.md) - [Sandbox Testing](https://agents-docs.lightspark.com/payouts-and-b2b/platform-tools/sandbox-testing.md): Test your payouts integration in the Grid sandbox environment - [Postman Collection](https://agents-docs.lightspark.com/payouts-and-b2b/platform-tools/postman-collection.md) ### Launch - [Launch checklist](https://agents-docs.lightspark.com/payouts-and-b2b/launch/checklist.md): Everything Lightspark reviews before you move from sandbox to production ## Ramps ### Overview - [Ramps](https://agents-docs.lightspark.com/ramps/index.md) - [Core Concepts](https://agents-docs.lightspark.com/ramps/terminology.md): Core concepts and terminology for the Grid API - [Implementation Overview](https://agents-docs.lightspark.com/ramps/onboarding/implementation-overview.md) - [Quickstart](https://agents-docs.lightspark.com/ramps/quickstart.md): Complete guide for converting fiat to crypto (on-ramp) and delivering Bitcoin to a Spark wallet ### Onboarding - [Platform Configuration](https://agents-docs.lightspark.com/ramps/onboarding/platform-configuration.md) - [Configuring Customers](https://agents-docs.lightspark.com/ramps/onboarding/configuring-customers.md): Create and manage customers for ramp conversions ### Managing accounts - [Internal Accounts](https://agents-docs.lightspark.com/ramps/accounts/internal-accounts.md): Manage internal accounts for holding fiat and crypto balances for ramp operations - [External Accounts](https://agents-docs.lightspark.com/ramps/accounts/external-accounts.md): Configure external bank accounts and crypto wallets for ramp destinations ### Conversion flows - [Depositing Funds](https://agents-docs.lightspark.com/ramps/accounts/depositing-funds.md): Depositing funds into internal accounts - [Fiat-to-Crypto and Crypto-to-Fiat](https://agents-docs.lightspark.com/ramps/conversion-flows/fiat-crypto-conversion.md): Build on-ramp and off-ramp flows to convert between fiat currencies and cryptocurrencies - [Self-Custody Wallet Integration](https://agents-docs.lightspark.com/ramps/conversion-flows/self-custody-wallets.md): Send and receive cryptocurrency to and from user-controlled wallets ### Global Accounts - [Global Accounts](https://agents-docs.lightspark.com/ramps/global-accounts/overview.md): Self-custody stablecoin accounts that plug into Grid payment flows - [Client keys & signing](https://agents-docs.lightspark.com/ramps/global-accounts/client-keys.md): Generate the P-256 client key pair, hold the session signing key, and sign account actions on Web, iOS, and Android - [Authentication](https://agents-docs.lightspark.com/ramps/global-accounts/authentication.md): Register, reauthenticate, and manage Global Account credentials (passkey, OAuth, email OTP) - [Sessions](https://agents-docs.lightspark.com/ramps/global-accounts/managing-sessions.md): List and revoke active sessions on a Global Account - [Exporting a wallet](https://agents-docs.lightspark.com/ramps/global-accounts/exporting-wallet.md): Let a customer take the seed of their Global Account off Grid ### Platform tools - [Webhooks](https://agents-docs.lightspark.com/ramps/platform-tools/webhooks.md): Receive real-time notifications for ramp conversions, account updates, and transaction status - [Sandbox Testing](https://agents-docs.lightspark.com/ramps/platform-tools/sandbox-testing.md): Test ramp flows safely without moving real funds - [Postman Collection](https://agents-docs.lightspark.com/ramps/platform-tools/postman-collection.md) ## Global P2P ### Overview - [Global P2P](https://agents-docs.lightspark.com/global-p2p/index.md) - [Core Concepts](https://agents-docs.lightspark.com/global-p2p/terminology.md): Core concepts and terminology for the Grid API - [Implementation Overview](https://agents-docs.lightspark.com/global-p2p/getting-started/implementation-overview.md): High-level implementation plan for configuring, onboarding, funding, and moving money - [Quickstart](https://agents-docs.lightspark.com/global-p2p/quickstart.md): Send your first cross-border payment ### Onboarding - [Platform Configuration](https://agents-docs.lightspark.com/global-p2p/getting-started/platform-configuration.md): Configuring credentials, webhooks and currencies for your platform global P2P payments - [Configuring Customers](https://agents-docs.lightspark.com/global-p2p/onboarding/configuring-customers.md): Creating and managing customers for global P2P payments - [Invitations](https://agents-docs.lightspark.com/global-p2p/onboarding/invitations.md) ### Managing accounts - [Internal Accounts](https://agents-docs.lightspark.com/global-p2p/managing-accounts/internal-accounts.md): Create and manage internal accounts - [External Accounts](https://agents-docs.lightspark.com/global-p2p/managing-accounts/external-accounts.md): Register and manage beneficiary bank accounts ### Sending & receiving payments - [Depositing Funds](https://agents-docs.lightspark.com/global-p2p/sending-receiving-payments/depositing-funds.md): Depositing funds into internal accounts - [Sending Payments](https://agents-docs.lightspark.com/global-p2p/sending-receiving-payments/sending-payments.md) - [Receiving Payments](https://agents-docs.lightspark.com/global-p2p/sending-receiving-payments/receiving-payments.md): Receiving payments from UMA addresses - [Reconciliation](https://agents-docs.lightspark.com/global-p2p/sending-receiving-payments/reconciliation.md): Reconciliation of payments - [Error Handling](https://agents-docs.lightspark.com/global-p2p/sending-receiving-payments/error-handling.md): Handle payment failures, API errors, and transaction issues in Global P2P ### Global Accounts - [Global Accounts](https://agents-docs.lightspark.com/global-p2p/global-accounts/overview.md): Self-custody stablecoin accounts that plug into Grid payment flows - [Client keys & signing](https://agents-docs.lightspark.com/global-p2p/global-accounts/client-keys.md): Generate the P-256 client key pair, hold the session signing key, and sign account actions on Web, iOS, and Android - [Authentication](https://agents-docs.lightspark.com/global-p2p/global-accounts/authentication.md): Register, reauthenticate, and manage Global Account credentials (passkey, OAuth, email OTP) - [Sessions](https://agents-docs.lightspark.com/global-p2p/global-accounts/managing-sessions.md): List and revoke active sessions on a Global Account - [Exporting a wallet](https://agents-docs.lightspark.com/global-p2p/global-accounts/exporting-wallet.md): Let a customer take the seed of their Global Account off Grid ### Platform tools - [Webhooks](https://agents-docs.lightspark.com/global-p2p/platform-tools/webhooks.md): Security best practices for webhook verification - [Sandbox Testing](https://agents-docs.lightspark.com/global-p2p/platform-tools/sandbox-testing.md) - [Postman Collection](https://agents-docs.lightspark.com/global-p2p/platform-tools/postman-collection.md) - [UMA Test Wallet](https://agents-docs.lightspark.com/global-p2p/platform-tools/uma-test-wallet.md): Test UMA payment flows with a real counterparty ## Cards ### Overview - [Playground](https://agents-docs.lightspark.com/cards/demo.md): Issue a branded Visa debit card and watch the API calls fire as you go - [Cards](https://agents-docs.lightspark.com/cards/index.md): Issue debit cards, decision authorizations in real time, and reconcile transactions against internal accounts. - [Terminology](https://agents-docs.lightspark.com/cards/terminology.md): Concepts and resources specific to the Cards API - [Implementation Overview](https://agents-docs.lightspark.com/cards/onboarding/implementation-overview.md): End-to-end architecture for issuing and operating cards - [Quickstart](https://agents-docs.lightspark.com/cards/quickstart.md): Issue your first card and simulate a transaction end to end ### Onboarding - [Cardholder Setup](https://agents-docs.lightspark.com/cards/onboarding/cardholder-setup.md): Prepare a customer to receive a card ### Card management - [Issuing Cards](https://agents-docs.lightspark.com/cards/card-management/issuing-cards.md): Create a virtual card and observe its lifecycle - [Velocity Limits](https://agents-docs.lightspark.com/cards/card-management/velocity-limits.md): Manage card and platform amount and transaction-count limits - [Funding Sources](https://agents-docs.lightspark.com/cards/card-management/funding-sources.md): Bind and update internal accounts as card funding sources - [Embedded Wallet Funding](https://agents-docs.lightspark.com/cards/card-management/embedded-wallet-funding.md): Fund a card from a customer's Embedded Wallet by delegating a signing key to Grid - [Freezing & Closing Cards](https://agents-docs.lightspark.com/cards/card-management/freezing-and-closing.md): Freeze, unfreeze, and close cards via the signed-retry pattern - [Card PINs](https://agents-docs.lightspark.com/cards/card-management/pins.md): Let cardholders set, change, check, and unblock online PINs on cards. - [Digital Wallet Tokenization](https://agents-docs.lightspark.com/cards/card-management/digital-wallet-tokenization.md): Add cards to Apple Pay, Google Pay, and Samsung Pay, manually or from your app ### Transactions - [Reconciliation](https://agents-docs.lightspark.com/cards/transactions/reconciliation.md): How card transactions reconcile, and what exceptions to act on - [Real-time authorization](https://agents-docs.lightspark.com/cards/transactions/real-time-authorization.md): Approve or decline card authorizations from your own endpoint ### Statements - [Periodic statements](https://agents-docs.lightspark.com/cards/statements.md): What a periodic statement for a Grid account contains, and how to build one from Grid transaction data ### Card design - [Card design guidelines](https://agents-docs.lightspark.com/cards/card-design/guidelines.md): Design the front of your card, choose the back's options, and submit artwork for physical cards and digital wallets ### Platform tools - [Webhooks](https://agents-docs.lightspark.com/cards/platform-tools/webhooks.md): Card webhook events and how to consume them - [Sandbox Testing](https://agents-docs.lightspark.com/cards/platform-tools/sandbox-testing.md): Drive deterministic card outcomes with the simulate endpoints ## Changelog ### Changelog - [Changelog](https://agents-docs.lightspark.com/changelog.md): New features, improvements, and updates to the Grid API. - [API reference (267 pages)](https://agents-docs.lightspark.com/_llms/api-reference.txt): Using the API, API documentation. ## OpenAPI Specs - [openapi](/openapi.yaml) > The links below point to documentation indexes. Follow each `/_llms/` index recursively until you reach documentation pages. ## Indexes - [API reference (267 pages)](https://agents-docs.lightspark.com/_llms/api-reference.txt): Using the API, API documentation. This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.