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David Marcus, CEO of Lightspark, used a Tuesday morning session at the Bitcoin 2026 Conference to announce Grid Global Accounts, a product he described as a dollar account that works everywhere, backed by a new partnership with Visa that extends spending access across many countries worldwide.

Marcus opened by framing the problem at scale. Roughly 400 billion emails travel across the internet each day, and consumers rely on a handful of platforms like Gmail to manage that volume. The global payments system moves 10 billion transactions a day, yet lacks an equivalent universal layer, Marcus said.

Marcus said there is no form of payment that works everywhere without friction, and that every dollar a business sends across a border runs into delays, foreign exchange costs, and fees, leaving recipients waiting for money they already earned.

He identified a couple of structural shifts that make the moment different. Marcus pointed to how regulation has changed, with governments across major markets moving from vague guidance to concrete frameworks for digital assets, stablecoins, and cross-border payments. 

He also cited how wallets have changed, with consumers now holding digital identities and payment credentials in software that can connect to any compliant network. Lightspark built Spark on top of Bitcoin, using the network as a neutral global settlement layer that can move value between any two compliant endpoints.

Lightspark launches Grid Global Accounts 

Marcus also introduced Grid Global Accounts, which will sit on top of Lightspark Grid, the company’s real-time global money movement platform. Marcus said the accounts use a single wallet address that supports both dollars and Bitcoin, so one account can route across multiple payment rails depending on what a given transaction requires. 

In short, it is an API platform that lets apps become full-scale global financial hubs without needing a banking license, offering branded USD accounts backed by stablecoins, Visa debit cards, payouts to 65+ countries and 14,000 banks, instant Bitcoin conversion, and AI-driven account controls — while Lightspark manages KYC, compliance, fraud, and licensing, building on its Lightning Network integrations and recent SoFi remittance partnership.

Marcus showed the app’s interface during the session to demonstrate that the experience feels like a simple consumer wallet, even though it routes payments over Bitcoin, stablecoins, and fiat beneath the surface.

The Visa partnership gives Grid Global Account holders a direct off-ramp into Visa’s merchant network across many countries, so someone who receives funds into their account can spend them almost anywhere or move the balance on-chain for self-custody.

Marcus also pointed to artificial intelligence as the next layer on top of the product. He said the app will use a conversational AI interface to handle payments through natural language, and that AI agents will be able to hold and spend money on a user’s behalf. 

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