01
Why one wallet for Bitcoin and stablecoins?
Most people end up with at least two wallets — one for Bitcoin (Muun, Blue, Ledger), one for stablecoins (MetaMask, Phantom, exchange). That means two seed phrases, two backup processes, two recovery risks, and a slow, expensive bridge every time you want to move value between them. Lightning Pay Wallet collapses that into one app with one seed.
One 12-word seed phrase backs up BTC, USDC and USDT. Lose the phone, restore on a new device, all three balances reappear.
02
How the bridge actually works
Inside Lightning Pay, BTC, USDC and USDT are first-class balances with a single swap interface between them. Swaps are atomic — either both legs settle or neither does. There's no manual bridging, no slow on-chain wait, no DEX slippage to babysit.
Single seed
12 BIP-39 words derive BTC, USDC and USDT addresses on the chains Lightning Pay supports.
Instant swaps
BTC ↔ USDC ↔ USDT swaps settle in-app at 0.1%, no external bridge required.
One Visa card
Spend any balance — Lightning Pay auto-swaps the right asset at point of sale, 0% FX.
03
Fees on every flow
| Flow | Fee | Speed |
|---|---|---|
| BTC → USDC swap | 0.1% | Instant |
| USDC → BTC swap | 0.1% | Instant |
| USDC → USDT swap | 0.1% | Instant |
| BTC → USDT swap | 0.1% | Instant |
| Spend BTC via Visa card | 0.1% swap, 0% FX | Instant authorization |
| Spend USDC via Visa card | 0% FX | Instant authorization |
| Withdraw to bank (any asset) | 0.5% network markup | Minutes (instant rail) |
| Monthly card fee | $0 | — |
04
Real-world use cases
- Save in BTC, spend in stablecoins
- Keep long-term savings in BTC. Swap a month's spending to USDC at the start of each month. Spend USDC via the Visa card with no daily volatility risk.
- Get paid in BTC, pay rent in fiat
- Receive a BTC paycheck via Lightning. Swap the rent portion to USDC immediately to lock the dollar value. Hold the rest as BTC.
- International remittance
- Send USDT to family abroad (Lightning Pay supports Lightning USDT where available). They receive a dollar-stable value in seconds for a fraction of a percent.
- Lock in trading gains
- Hit your target? Swap profit to USDC, keep cost-basis exposure in BTC. No exchange withdrawal needed.
- DCA into BTC from stablecoin reserves
- Park fiat as USDC, set a recurring USDC → BTC swap. Cheaper than recurring fiat on-ramps.
- One backup, three balances
- Travelling or moving? One seed phrase on paper recovers all three balances on any new device.
05
Single-seed vs juggling multiple wallets
| Factor | Lightning Pay (one wallet) | Multiple wallets |
|---|---|---|
| Backup | 1 seed phrase | 2–3 seed phrases |
| BTC ↔ USDC swap fee | 0.1% in-app | 0.5–2% via DEX or CEX + bridge fees |
| BTC ↔ USDC swap time | Seconds | Minutes (bridge) to hours (CEX withdrawal) |
| Spending | One Visa card, any balance | Per-wallet card or none |
| Tax tracking | Unified | CSV per wallet, manual stitching |
| Custody | Self (all 3 assets) | Varies per wallet |
| Recovery surface | One device, one seed | N devices, N seeds |
06
Set it up in 60 seconds
- 1
Install Lightning Pay
Download from /download — iOS, Android, macOS, Windows, Linux. - 2
Create your wallet
Write down the 12-word seed phrase. This single phrase backs up BTC, USDC and USDT. - 3
Receive BTC, USDC or USDT
Each asset has its own receive address. Send from any external wallet or buy in-app. - 4
Swap freely at 0.1%
Tap Swap, pick the pair, confirm. Atomic settlement — no slippage babysitting. - 5
Spend any balance via the Visa card
Order the card (virtual instant, physical 7–10 days). Lightning Pay swaps to the merchant currency at 0% FX.
07
Bitcoin + stablecoin wallet FAQ
Ready to own your Bitcoin?
Lightning Pay is free, open source, and non-custodial. Your keys never leave your device.