Bitcoin isn’t always the best bet. 👀
Price swings or dollar-linked stability? Your crypto payment choice matters more than you think.
Bitcoin vs. stablecoins. Which wins for your business? 👇
https://t.co/4vi5mDtExg
#Bitcoin #Stablecoins #CryptoPayments #Fintech #Payments
Speed
Bitcoin Lightning and stablecoin gateway with sub-3-second settlement and 1% external checkout fees
4.0/ 5
Our score
Very good
Processing fee
1%
Settlement
CryptoStablecoinsFiat
Coins supported
3
Settle in stablecoins
Yes
Self-hosted option
No
What is Speed?
Speed is a crypto payment processor that lets merchants accept Bitcoin on-chain, over the Lightning Network, and via major stablecoins. Settlement takes under three seconds, giving physical and digital retailers zero chargeback exposure.
Company background and funding
Speed is operated by Speed1 INC, with corporate offices in Las Vegas, Dubai, and Ahmedabad. Strategic venture funding came from Tether and ego death capital. CoinX USA LLC operates the digital asset settlement infrastructure under a registered FinCEN Money Services Business license.
Payment infrastructure and settlement
Businesses integrate checkouts through REST APIs, developer SDKs, hosted checkout links, and e-commerce plugins. Along with BTC on the Bitcoin mainnet and Lightning Network, the platform processes USD Coin (USDC) and Tether (USDT). Merchants can configure automated payouts and convert revenue into stablecoins before withdrawing to external accounts or traditional bank rails.
Fees and platform costs
Setup is free. Speed charges a flat 1% processing fee on transactions paid through third-party wallets. Transactions through the native Speed Wallet incur 0% in processing fees, and there are no monthly platform subscription charges.
Availability and compliance
Commercial entities in over 100 countries can access the platform.
Trade-offs and operational risks
Speed operates as a hosted payment processor rather than a self-hosted node solution. Transactions settled on the Lightning Network or public blockchains remain final and irreversible.
Best for:E-commerce stores accepting Lightning paymentsMerchants wanting stablecoin auto-settlementPlatforms running automated affiliate payouts
Pros and cons
Pros
- Under three-second transaction settlement on the Lightning Network
- No monthly platform fee and no setup fee
- 0% fee on transactions paid via the native Speed Wallet
- Flat 1% fee for checkouts using external wallets
- Licensed settlement infrastructure through CoinX USA LLC's FinCEN MSB registration
Cons
- No self-hosted deployment option for running private nodes
- Coin selection is limited to Bitcoin, USDT, and USDC
Our review
4.0/5
Very good
Speed provides near-instant Bitcoin Lightning and stablecoin checkouts with flat 1% processing fees, but asset support is restricted strictly to BTC, USDT, and USDC.
Speed is a hosted crypto payment gateway designed for online stores and physical merchants wanting real-time settlement over the Bitcoin Lightning Network and on-chain rails. Operated by Speed1 INC, the platform routes payment operations through settlement infrastructure registered under CoinX USA LLC’s FinCEN MSB license. The company has reported strategic funding from Tether and ego death capital, and the service serves over 10,000 businesses across more than 100 countries.
Processing fees are transparent: Speed charges a flat 1% on payments originating from external crypto wallets, while transactions completed through its native Speed Wallet incur 0% fees. There are no setup fees or recurring monthly subscription costs. Transactions settle in under 3 seconds over Lightning, with no chargeback exposure. Merchants can settle balances in Bitcoin or stablecoins (USDT and USDC), alongside supported on-ramp and off-ramp rails for fiat conversion.
The product suite covers standard merchant checkouts, recurring billing, in-person Point of Sale (POS) terminals, and a mass payouts API for distributing commissions and rewards. For testing and integration, developers can use REST APIs and an interactive sandbox simulating Lightning and on-chain transactions. Integration options include e-commerce plugins such as WooCommerce, which are deployed by brands like GolfCarts.com, as well as enterprise hospitality setups like Steak 'n Shake locations.
Trade-offs center on hosting flexibility and asset selection. Speed is a hosted platform with no self-hosted option. Currency options remain narrow: merchants can accept only Bitcoin, USDT, and USDC, leaving out broader altcoins. Speed suits e-commerce stores and physical franchises looking for fast Bitcoin micropayments and stablecoin settlements. Businesses requiring self-hosted software or support for dozens of alternative blockchain networks will need a different provider.
Specs
| Processing fee | 1% · unverified |
|---|---|
| Settlement | Crypto, Stablecoins, Fiat · unverified |
| Coins supported | 3 · unverified |
| Integrations | WooCommerce, REST API · unverified |
| Recurring payments | Yes · unverified |
| Mass payouts | Yes · unverified |
| Point of sale | Yes · unverified |
| Self-hosted option | No |
| Settle in stablecoins | Yes · unverified |
| Merchant countries | United States, United Arab Emirates, India · unverified |
| API & SDKs | Yes · unverified |
Not disclosed by the provider: Invoicing, Business verification (KYB).
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Key features
Lightning Network settlement
Settles payments in under three seconds using the Bitcoin Lightning Network to eliminate confirmation waits.
Stablecoin acceptance
Accepts and settles transactions in USDT and USDC alongside Bitcoin to mitigate exchange-rate volatility.
Speed Connect integration
Supplies REST APIs, webhooks, and SDKs to connect multi-party routing and sub-merchant checkouts.
Automated crypto payouts
Enables mass payouts and affiliate disbursements in BTC or stablecoins with batch transfer management.
Testing sandbox
Provides an end-to-end sandbox environment that simulates Lightning, on-chain Bitcoin, and banking rails.
Inside Speed
Payments
Accept Bitcoin and stablecoin payments on-chain and through the Lightning Network with real-time settlement and automated checkout generation.
Payouts
Send automated mass payouts, affiliate commissions, and rewards globally using Bitcoin Lightning and stablecoin APIs.
Connect
Embed crypto payment rails into third-party fintech applications, PSPs, and marketplaces using white-label endpoints and multi-party routing logic.
Terminals
Deploy point-of-sale systems and kiosk integrations for brick-and-mortar storefronts accepting walk-through crypto payments.
Onramp & Offramp
Convert between fiat currencies and crypto assets directly within merchant settlement workflows.
Speed screenshots
What users say about Speed
User feedback is extremely limited, with no substantive praise or functional complaints recorded.
Based on 1 Reddit posts and comments from the last 12 months, checked Oct 20, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
User reviews
No user reviews yet. Have you used Speed? Share your experience below.
FAQ
What fees does Speed charge for payment processing?
Speed charges a 1% fee for payments received from external wallets and 0% for transfers made using Speed Wallet. There are no setup fees or monthly platform charges.
Which cryptocurrencies does Speed support?
Speed supports Bitcoin (both on-chain and Lightning Network), USDT, and USDC. Merchants can receive, hold, and settle balances in these three digital assets.
Who operates Speed and what licenses does it hold?
Speed is operated by Speed1 INC. Its crypto financial services run through infrastructure provided by CoinX USA LLC, which holds a FinCEN Money Services Business license.
Can businesses issue payouts using Speed?
Yes, Speed Payouts allows businesses to automate mass payouts, rewards, and partner commissions using a single REST API. Payouts settle in real time over the Lightning Network and stablecoin rails.
Does Speed support self-hosted or non-custodial deployments?
No, Speed is a hosted payment gateway that handles settlement on its own infrastructure. It does not provide a self-hosted software option for self-clearing nodes.
Latest from Speed on X
Different payout needs call for different workflows.
With Speed, businesses can send individual payouts, manage bulk transfers through APIs, and schedule one-time or recurring payments.
#CryptoPayments #B2BPayments #Fintech https://t.co/1wcAH1qZfg
With Speed, businesses can send individual payouts, manage bulk transfers through APIs, and schedule one-time or recurring payments.
#CryptoPayments #B2BPayments #Fintech https://t.co/1wcAH1qZfg
AI agents can make API calls. Now they can pay for them, too.
Pay-per-request pricing, microtransactions, and instant settlement are opening new ways to monetize APIs in the machine economy.
#AgenticPayments #AICommerce #Bitcoin https://t.co/FaCd1JYFof
Pay-per-request pricing, microtransactions, and instant settlement are opening new ways to monetize APIs in the machine economy.
#AgenticPayments #AICommerce #Bitcoin https://t.co/FaCd1JYFof
Building payment systems from scratch comes with its share of challenges. Slow launches, rising costs, and cross-border payment friction can hold your business back.
What if you could skip the build and launch under your own brand?
#CryptoPayments #WhiteLabelPayments #B2BPayments #Fintech
What if you could skip the build and launch under your own brand?
#CryptoPayments #WhiteLabelPayments #B2BPayments #Fintech
White-label infrastructure lets you launch under your brand while a provider handles the payment stack.
But how much control do you really get?
Find out what to check before you launch.
https://t.co/Za7ydtqXbF
#CryptoPayments #Fintech #PaymentInfrastructure #WhiteLabel #Bitcoin
But how much control do you really get?
Find out what to check before you launch.
https://t.co/Za7ydtqXbF
#CryptoPayments #Fintech #PaymentInfrastructure #WhiteLabel #Bitcoin
Recent public posts from @speed_LN, shown as published. Not reviewed or endorsed by CryptoReview.
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