Lightning Network • Self-Custody • Bitcoin Only

LIGHTNING WALLET NZ

The Stacked wallet has Lightning built right in — send and receive Bitcoin instantly, with near-zero fees. Or use any Lightning wallet you like. Stacked is interoperable with the entire Lightning Network.

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The Stacked Wallet Has Lightning Built In

You don't need a separate Lightning wallet. The Stacked wallet includes full Lightning Network support alongside on-chain Bitcoin — all in one app, all self-custodial. Buy Bitcoin with NZD, then send it instantly via Lightning to anyone on the network.

Instant Payments

Send Bitcoin via Lightning in seconds — not the 10–60 minutes of an on-chain transaction. Perfect for everyday spending, splitting bills, or paying friends back.

Near-Zero Fees

Lightning routing fees are a fraction of a cent. Compare that to credit card surcharges or bank transfer fees — Lightning is the cheapest way to move Bitcoin.

Self-Custody

Your keys, your Lightning channels, your Bitcoin. The Stacked wallet is fully self-custodial — no exchange holds your funds, and you can restore everything with your recovery phrase.

On-Chain Too

Lightning is great for everyday payments, but the Stacked wallet also supports on-chain Bitcoin for long-term storage. One wallet, both layers — you decide how to move your Bitcoin.

Buy & Sell With NZD

Fund your Lightning wallet by buying Bitcoin with NZD directly in the app. Or sell Bitcoin back to NZD and withdraw to your bank account — all in one place.

Pay NZ Bills

Use Lightning to pay any New Zealand bill — power, internet, rent, phone. Stacked converts Bitcoin to NZD and pays the biller for you.

When to use Lightning in New Zealand

Lightning is best for smaller, everyday Bitcoin payments where speed and low fees matter: paying another wallet, moving sats between apps, testing a wallet, or using Bitcoin without waiting for an on-chain confirmation. For larger long-term savings, on-chain Bitcoin can still make more sense.

Use Any Lightning Wallet With Stacked

Stacked is interoperable with the entire Lightning Network. If you already have a Lightning wallet you like, you can buy Bitcoin on Stacked and withdraw it to any Lightning address. Or receive Lightning payments from any wallet into Stacked. There's no lock-in — Bitcoin is open, and so are we.

Lightning vs On-Chain Bitcoin

	Lightning	On-Chain Bitcoin
Speed	Instant (seconds)	10–60 minutes
Fees	Less than 1 satoshi	$1–$10 per transaction
Best for	Everyday spending, bills, payments	Long-term storage, large transfers
Complexity	Simple — built into Stacked	Simple — standard wallet

Related Stacked support guides

For step-by-step product help, use the Stacked support centre rather than a separate learning hub.

Ready to use Lightning for instant, near-free Bitcoin payments?

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Frequently asked questions

Does the Stacked wallet have Lightning built in?

Yes. The Stacked wallet includes full Lightning Network support — you can send and receive Lightning payments instantly with near-zero fees. No separate app needed.

Can I use another Lightning wallet with Stacked?

Yes. Stacked is interoperable with the entire Lightning Network. Buy Bitcoin on Stacked and withdraw to any Lightning wallet address — or receive Lightning payments to your Stacked wallet from any other Lightning user.

What is the Lightning Network?

The Lightning Network is a second-layer protocol on Bitcoin that enables instant, near-free payments. It's designed for everyday transactions — paying bills, buying coffee, sending money to friends — without waiting for on-chain confirmations.

What fees does Lightning cost?

Lightning routing fees are typically less than 1 satoshi — a tiny fraction of a cent. Compare that to $1–10 for an on-chain Bitcoin transaction or 2–3% for a credit card payment.

Can I receive Lightning payments to Stacked?

Yes. Your Stacked wallet generates a Lightning invoice that anyone on the Lightning Network can pay. Receive Bitcoin instantly from anyone, anywhere in the world.

Ready to start stacking?

From $6 NZD. No minimum to hold. Self-custody from day one. Your keys, your Bitcoin.

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FSP1005773 · Based in Queenstown, NZ