// payments · bitcoin lightning · instant settlement

Pay with any cryptocurrency.

We accept Bitcoin Lightning natively — settles in seconds, sub-cent fees. Got XMR, LTC, DOGE, USDT, or anything else? Swap it once via FixedFloat and your invoice pays itself.

Get your invoice How it works ↓

// ~3 minutes end-to-end · no account anywhere · non-custodial

// the flow

How it works

Three steps. No registration, no KYC for the swap itself, no waiting for on-chain confirmations.

Get your Lightning invoice

Open your invoice in the Zergrush billing area and choose Bitcoin Lightning as the payment method. You'll see an LN invoice starting with lnbc…. Copy it.

Swap at FixedFloat

Go to fixedfloat.com. Pick your source coin on the Send side and Bitcoin (Lightning) on the Receive side. Paste the LN invoice as the destination — FixedFloat reads the amount automatically.

Send. Done.

Send your source coin to the FixedFloat deposit address shown. The swap completes and the invoice settles instantly on Lightning. Typical total time: ~3 minutes from copy to paid.

FixedFloat exchange widget configured for Litecoin to Bitcoin Lightning swap

// FixedFloat widget — Litecoin → Bitcoin Lightning shown as example. Use whatever you actually hold.

// supported coins

Pay us with anything you have

We natively accept Bitcoin (on-chain & Lightning), ETH, USDC, DASH, EGLD, SUI, and POL. Anything else — swap to Lightning via FixedFloat. Here are the popular coins you'd most likely want to pay us with:

Monero

XMR

Tether

USDT · TRC20/ERC20

Litecoin

LTC

Bitcoin Cash

BCH

Dogecoin

DOGE

Solana

SOL

Tron

TRX

Ripple

XRP

Cardano

ADA

BNB

BNB · BEP20

Plus these — same flow, smaller crowd:

Zcash

ZEC

Avalanche

AVAX

Polkadot

DOT

Cosmos

ATOM

Kaspa

KAS

NEAR

Toncoin

TON

Aptos

APT

Algorand

ALGO

Stellar

XLM

+ 60 more on FixedFloat — from ARB and BAT to TEZ and VET.
If it trades on FixedFloat, we accept it. See the full list at FixedFloat.

// why this route

Why Lightning, not on-chain?

Bitcoin Lightning is Bitcoin's second-layer payment network. We default to it because:

// instant

Lightning payments settle in seconds. No waiting for 1, 3, or 6 on-chain confirmations.

// cheap

Sub-cent network fees. The swap fee from FixedFloat (0.5–1%) is the only meaningful cost.

// final

Once the invoice clears, it's done. No reversals, no chargebacks, no "pending" purgatory.

// private

Lightning routes payments through nodes. No public on-chain transaction tying you to us.

// faq

Common questions

Do I need a Lightning wallet?

No. The Lightning invoice from our system goes into FixedFloat as the destination, and FixedFloat pays it on Lightning's network. You just need a wallet that holds your source coin (LTC, XMR, USDT, etc.) — same wallet you'd use anywhere else.

Is FixedFloat KYC?

FixedFloat is a non-custodial swap, no signup required. They can flag/freeze addresses that look like sanctioned-origin funds (chain-analytic compliance); normal user activity is unaffected. We don't have any influence on or visibility into their compliance decisions.

What if I send the wrong amount?

Use the Fixed rate order type on FixedFloat — you lock in a rate for ~10 minutes and send exactly the displayed amount. Send less than the minimum and FixedFloat will refund (minus network fees); send more and they refund the excess. The LN invoice itself has the exact amount embedded — no room for math errors on our end.

How long does it actually take?

Source-coin confirmation time (varies: LTC ~2 min, BTC ~10 min, ETH ~30 sec, XMR ~20 min) plus a few seconds for the swap and the LN payment. End-to-end usually under 5 minutes for fast chains, 20–30 minutes for Monero / on-chain BTC.

Can I do this on mobile?

Yes. FixedFloat works in any modern mobile browser. Most LN-aware wallets also support a "scan QR" or "paste invoice" flow — but here the invoice goes into FixedFloat, not your wallet, so any browser works.

What about my privacy?

Lightning payments don't publish to a public ledger the way on-chain BTC does. FixedFloat doesn't require registration.

My LN invoice expired before I could pay. What now?

LN invoices typically expire in 10–60 minutes. Just regenerate a new one from your billing area and paste the fresh invoice into FixedFloat. The underlying invoice obligation hasn't changed — only the LN payment request.

// disclaimers

We have no affiliation with FixedFloat. No referral arrangement, no kickback, no commercial relationship. We use them as an example because they're fast, non-custodial, and don't require an account — and we wanted to give you concrete steps instead of vague "use any exchange" advice.

FixedFloat is one option of many. Other instant-swap services work the same way: SimpleSwap, ChangeNOW, StealthEX, Godex, and others. Same pattern — pick source coin, pick "Bitcoin Lightning" as destination, paste your LN invoice, send. Pick whichever you trust or have used before.

Every service has its own rates, limits, and compliance posture. We don't guarantee any of them, and we can't help with disputes between you and a third-party exchange.