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Instant Bitcoin deposits UI

This feature is in private experimental beta and only available via a custom integration. Contact us to discuss your use case.
Instant Bitcoin Deposits enable instant BTC deposits onto Spark, without having to wait for on-chain confirmations. Normally, payments on Bitcoin L1 can take up to 60 minutes or more, depending on the number of confirmations required. This waiting period impacts user experience, and can expose deposits to volatility and missed opportunities. Instant Deposits make L1 BTC usable immediately.
Instant fundingInstant funding

Instant funding

BTC becomes immediately spendable on Spark as soon as the transaction hits the mempool.
No infrastructure requiredNo infrastructure required

No infrastructure required

You don't need to run nodes, manage mempools, or operate a 0-conf risk engine.
Simple API integrationSimple API integration

Simple API integration

Integrate instant deposit flows with a straightforward API.
Risk-managed by LPsRisk-managed by LPs

Risk-managed by LPs

Participating liquidity providers (LPs) run risk engines to evaluate transactions risk.

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0-conf Bitcoin Deposit Flow

1

Bitcoin sent to a deposit address

BTC is sent to a static Spark L1 deposit address generated via the Spark API.
2

Real-time risk assessment

When the transaction hits the Bitcoin mempool, the LP detects it and performs a risk evaluation.
3

Instant funding for qualifying transactions

If the transaction meets the LPs safety criteria, the LP makes the BTC immediately spendable on Spark.

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Use cases

Give wallets and platforms the fastest way to buy Bitcoin through your onramp. The moment a user clicks “Buy,” BTC lands in their destination wallet.
  1. Deliver the smoothest card-to-BTC onramp. BTC is usable seconds after purchase, not 30–60 minutes later.
  2. Let users use Bitcoin immediately. Funds can be traded, spent, or bridged as soon as the purchase completes.
  3. Reduce customer support load. Fewer “Where is my Bitcoin?” tickets.
  4. Turn speed into revenue for your integrators. Let wallets sell “Fast Bitcoin” as a paid upgrade.
1

Bitcoin purchase initiated

BTC is purchased by a user through your onramp within a wallet or platform (one of your customers).
Buy Bitcoin with on-ramp
2

BTC is sent to the associated deposit address

As the onramp provider, you send BTC directly to a static deposit address generated by your integrator.
Deposit to Spark L1 address
3

BTC becomes available to the user

Once approved, the BTC you sent is immediately usable on Spark by the end user or integrator.
Instant funding
4

The user has full control of the BTC

The user has full control of the BTC. It can be moved to any wallet or platform use case (trading, betting, or bridging) and sent onward over Bitcoin or Lightning. Settlement is complete and final.
Funds available to use

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Integration

Each integration can differ based on your specific use case or requirements. If you have any questions, just let us know.
This feature is private experimental beta. For integrators: within the wallet SDK, once a deposit is detected, you’ll receive both the quote and the claim functions needed to complete the flow.
const quote = wallet.getInstantDepositQuote_EXPERIMENTAL(
  txid,
  vout,
  PARTNER_JWT || undefined
);

if (!quote.is_eligible) {
  console.log("Not available because", quote.reason);
} else {
  console.log(`You can claim ${quote.amount} of ${quote.total} instantly!`);
  const result = await wallet.claimInstantDeposit_EXPERIMENTAL(quote.id);
}

// After the transaction confirms on-chain, Spark will automatically
// release any remaining amount (beyond the instant credit) to the wallet balance.

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FAQ

Instant Deposits remove the 10-60 minute wait that normally exists for Bitcoin deposits.
  • Build the best deposit UX by letting users trade or spend as soon as the deposit hits, instead of waiting for confirmations
  • You can charge fees for faster deposits and make it an opt-in feature
  • More deposits turn into actual trading and usage because funds are available immediately
  • Fewer support tickets about pending or stuck deposits
Participating LPs on the Spark network run proprietary risk engines that evaluate each incoming transaction and can set threshold safety criteria.
No. Only transactions that meet the participating LP’s safety criteria qualify for instant funding. If a transaction doesn’t qualify, it follows the standard Spark deposit flow, which settles after on-chain confirmations (typically 1–3 confirmations depending on transaction characteristics).
Typically under 5 seconds from mempool detection to spendable balance on Spark.
Yes. Instant Deposits provide real, native BTC on Spark, not wrapped or synthetic assets. Once available, BTC can move instantly to Bitcoin L1, Lightning, or any Spark address. The Spark protocol guarantees unilateral exit: even if all infrastructure disappeared, funds can always be withdrawn directly to L1 using pre-signed exit transactions.
Yes. Instant Deposits build on Spark’s native deposit flow, which is fully trust-minimized. No party, including LPs, can move or control deposited funds. BTC remains locked in the on-chain UTXO until the Spark Protocol finalizes settlement. During the instant deposit window, the LP fronts liquidity on Spark based on the unconfirmed transaction’s risk profile. Once the Bitcoin transaction confirms on-chain, the protocol settles the deposit and the LP’s fronted liquidity is reconciled.
Yes. LPs enforce criteria such as deposit size and frequency limits. Limits may vary by LP, integrator, and individual transaction characteristics.

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