Chipper Cash, the African fintech giant serving millions of consumers and businesses, has reached a milestone in Bitcoin payments: 50% of all Bitcoin transactions on its platform now run on the Lightning Network. Powered by Voltage, this integration delivers faster, cheaper, and more reliable payments, positioning Chipper Cash as one of the most successful real-world Lightning deployments to date.
50% of Bitcoin transactions on Chipper Cash now run via Lightning.
Powered by Voltage for scale, resilience, and reliability.
Organic adoption through word-of-mouth with minimal marketing.
Lightning outperforms legacy rails plagued by downtime across Africa.
Interoperability with Strike, Cash App, and other Lightning apps.
Lightning powers Chessa, Chipper’s crypto-to-fiat remittance feature.
Founded in 2018 as a peer-to-peer remittance platform, Chipper Cash has evolved into a fully licensed fintech serving over seven million customers. Its offerings span cross-border payments, Visa-powered virtual cards, US stock investing, and stablecoin rails.
"Lightning-enabled payments have the potential to empower and accelerate greater, more reliable financial access across Africa," said Maijid Moujaled, Cofounder and President of Chipper Cash. "Voltage's reliable infrastructure reduces the complexity of building on Lightning, allowing us to focus on scale. With Voltage, Lightning can truly become the backbone for global, real-time payments by delivering near-instant settlement at low cost for people and businesses that need it most."
Financial infrastructure across much of Africa suffers from chronic outages and unreliability. Even after years of operation, Chipper’s fiat partners continue to experience downtime. In contrast, Lightning transactions settle instantly and operate seamlessly—even when legacy rails fail.
One Chipper Cash customer described Lightning as “like discovering fire,” citing its speed and reliability compared to traditional systems.
Key adoption metrics:
50% of Bitcoin transactions now processed via Lightning.
Organic adoption driven by customer referrals, not heavy marketing.
Operational resilience, even during fiat rail downtime.
Expanded reach via interoperability with other Lightning-powered apps.
Chipper Cash recently launched Chessa, enabling customers to send remittances over crypto rails and instantly receive in more than 25 local fiat currencies and assets. Lightning plays a central role in Chessa, supporting seamless local payouts and expanding the company’s global reach.
"What Chipper Cash is doing with Lightning proves that emerging markets can leapfrog outdated payment rails," said Graham Krizek, CEO of Voltage. "With Voltage powering their infrastructure, they've unlocked instant, global, and low-cost payments that work every time, everywhere."
Chipper Cash’s Lightning adoption underscores Bitcoin’s growing role as an everyday payment rail. As customer adoption accelerates, the company is showcasing how fintechs in emerging markets can bypass outdated infrastructure and deliver reliable, instant, and affordable payments at scale.
Chipper Cash is a financial technology company serving over seven million customers across Africa and beyond. Since 2018, the company has expanded its product suite from peer-to-peer payments to investments, business transactions, and cross-border money movement. Its mission is to provide trusted, accessible financial services for people across the continent and globally.
Voltage is the leading Lightning infrastructure provider, helping businesses adopt Bitcoin and Lightning through simple APIs and enterprise-grade support. As the longest-running provider in the space, Voltage enables scalable, instant, and low-cost payments worldwide.
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