Bitcoin News

Story: SoFi Becomes First U.S. Bank to Embrace Bitcoin Lightning and UMA

By Sakamoto Nashi

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A First for U.S. Banking. For years, Bitcoin’s Lightning Network has been regarded as a breakthrough in enabling scalable,…

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How SoFi’s Bitcoin-Powered Transfers Work. The system relies on UMA, an addressing protocol designed to simplify global money transfers.

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Competing in the $740 Billion Remittance Market. Remittances are a lifeline for millions of families worldwide.

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The Role of Lightspark and UMA. The technology behind this innovation comes from Lightspark, a company founded by former PayPal…

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Beyond Remittances: Expanding Bitcoin’s Utility. SoFi’s adoption of Bitcoin Lightning and UMA highlights a broader trend: Bitcoin is no longer seen…

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Transparency and Trust. One of the key features SoFi emphasizes is transparency.

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What It Means for Crypto Adoption. SoFi’s integration of Lightning and UMA represents another step toward mainstream adoption of…

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Conclusion. By becoming the first U.S. bank to integrate Bitcoin Lightning and UMA, SoFi has positioned itself…

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SoFi Technologies has stepped into new territory by becoming the first U.S. bank to integrate the Bitcoin Lightning Network and Universal Money Address (UMA).

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For years, Bitcoin’s Lightning Network has been regarded as a breakthrough in enabling scalable, low-cost, and near-instant transfers on top of Bitcoin’s base layer.

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The integration allows SoFi’s 11.7 million members to send and receive money across borders seamlessly.

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According to SoFi CEO Anthony Noto, the aim is to create meaningful improvements in customers’ everyday financial lives, especially those who frequently send money internationally.

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Conversion in Real Time: When a user initiates a transfer, their U.S. dollars are instantly converted into Bitcoin.

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Routing via Lightning: The funds are sent across borders using the Bitcoin Lightning Network, ensuring low-cost, near-instant settlement.

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Local Currency Delivery: Once the transfer reaches the recipient’s destination, the Bitcoin is converted into local currency and deposited directly into their bank account.

The Currency Analytics

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