# Lightspark

**Canonical:** https://apis.io/providers/lightspark/  
**Website:** https://lightspark.com  
**APIs profiled:** 1

Lightspark builds global money-movement infrastructure on open payment networks. Its developer product is the Grid API — a dated-version REST API (OpenAPI 3.1, 104 paths, 564 schemas, 12 webhooks) for cross-border payouts, on/off-ramps, stablecoins, embedded wallets, card issuing, KYC/KYB verification and payments to Universal Money Addresses ($user@domain). Grid is unusually agent-native: it ships a first-class agent surface with device-code credentials, per-agent policy and human-in-the-loop approvals, a hosted MCP server, a published Claude agent skill, an open-source CLI, and generated TypeScript and Kotlin SDKs. Lightspark also operates the Spark and UMA protocol stacks and is backed by a16z, Matrix Partners, Paradigm and Ribbit Capital.

## Kin Score — 69.2 / 100 (exemplar)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (-0.6 from 69.8).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 68.4 |
| Governance | 72.7 |
| Contract Governance | 72.7 |
| Operational Transparency | 60.5 |
| Developer Ergonomics | 85.1 |
| Commercial Clarity | 36.8 |
| Access Clarity | 36.8 |

Regulatory layer — **Payments**: 56.3 (matched via tags).

## Agent readiness — 52.6 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | verified |
| Auth Clarity | bearer |
| Idempotency | verified |
| Error Semantics | verified |
| OpenAPI Examples | partial |
| Rate Limit Signal | verified |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (23)

- **Lightspark Agent Management API** — Endpoints for creating and managing agents (experimental), called by the partner's backend using platform credentials. Covers the full agent lifecycle: creation, policy configur...
- **Lightspark Agent Operations API** — Endpoints called by the agent itself using its own credentials (obtained via device code redemption). Scoped to the agent's associated customer — all requests automatically oper...
- **Lightspark API Tokens API** — Endpoints to programmatically manage API tokens
- **Lightspark Available UMA Providers API** — The Available UMA Providers API from Lightspark — 1 operation(s) for available uma providers.
- **Lightspark Cards API** — Card management endpoints. Issue debit cards against an internal account, freeze / unfreeze, close, manage card funding sources, and list card transactions.
- **Lightspark Contact Verification API** — Endpoints for verifying a customer's email and phone via one-time codes. Required only for customers whose payment provider mandates contact verification (e.g. EU customers); ot...
- **Lightspark Cross-Currency Transfers API** — Endpoints for creating and confirming quotes for cross-currency transfers
- **Lightspark Customers API** — Customer management endpoints for creating and updating customer information
- **Lightspark Discoveries API** — Endpoints for discovering available payment rails, banks, and providers for a given country and currency corridor.
- **Lightspark Documents API** — Endpoints for uploading and managing verification documents for customers and beneficial owners. Supports KYC and KYB document requirements.
- **Lightspark Embedded Wallet Auth API** — Endpoints for registering and verifying end-user authentication credentials (email OTP, OAuth, passkey) used to sign Embedded Wallet actions.
- **Lightspark Exchange Rates API** — Endpoints for retrieving cached foreign exchange rates. Rates are cached for approximately 5 minutes and include platform-specific fees.
- **Lightspark External Accounts API** — External account management endpoints for creating and managing external bank accounts
- **Lightspark Internal Accounts API** — Internal account management endpoints for creating and managing internal accounts
- **Lightspark Invitations API** — Endpoints for creating, claiming and managing UMA invitations
- **Lightspark KYC/KYB Verifications API** — Endpoints for Know Your Customer (KYC) and Know Your Business (KYB) verification, including managing beneficial owners and triggering verification for customers.
- **Lightspark Platform Configuration API** — Platform configuration endpoints for managing global settings. You can also configure these settings in the Grid dashboard.
- **Lightspark Same-Currency Transfers API** — Endpoints for transferring funds between internal and external accounts with the same currency
- **Lightspark Sandbox API** — Endpoints to trigger test cases in sandbox
- **Lightspark Stablecoins API** — Stablecoin issuance endpoints. Link provider accounts, register provider-created stablecoins, create mint/burn quotes, execute them, and track the resulting operations.
- **Lightspark Strong Customer Authentication API** — Endpoints for authorizing money-movement operations that require Strong Customer Authentication. Relevant only for customers in a region where SCA is required (e.g. EU); custome...
- **Lightspark Transactions API** — Endpoints for retrieving transaction information
- **Lightspark Webhooks API** — Webhook endpoints and configuration for receiving notifications

## MCP servers (1)

- **Lightspark MCP Server**

## Agentic access (1)

- **Lightspark Agentic Access** — 132 operations · 82 acting · 5 human-in-the-loop

## Security (4)

- **Lightspark Authentication** — apiKey/http · 3 schemes
- **Lightspark Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Lightspark Vulnerability Disclosure** — Hackerone · contact published
- **Lightspark Trust Center** — SOC 2 Type 1

## Tags

Company, Payments, Cross-Border Payments, Stablecoins, Bitcoin, Lightning Network, Embedded Finance, Agentic Payments, Cards, KYC, Financial-Services, Foreign Exchange

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/lightspark/). Scores are computed from the provider's own public artifacts under a published rubric.