Category: Bitcoin and Lightning infrastructure / multi-rail payments API / AI-agent payments control plane
Summary: Neutron is best understood as an AI-agent-friendly Bitcoin and Lightning payments control plane rather than as a simple wallet or narrow BTC API. Its first-party site and SDK materials describe a platform that combines Lightning payins and payouts, onchain Bitcoin, USDT rails, fiat bank or mobile-money payouts, dashboard and webhook workflows, and an MCP surface for AI agents. The decisive clue is that Neutron is packaging a programmable multi-rail money-movement API with agent tooling on top, not merely a retail Lightning wallet.
What it does:
Provides API and SDK access for Lightning invoice creation, Lightning Address payments, LNURL-style flows, and general send/receive Bitcoin over Lightning
Supports onchain Bitcoin flows alongside internal conversions and transfers across BTC, USDT, and fiat balances
Supports stablecoin operations, with the SDK specifically documenting USDT on TRON and Ethereum
Supports fiat payouts through bank-transfer and local payout methods, with the docs explicitly mentioning local bank accounts and mobile-money systems in selected countries
Exposes operational surfaces such as dashboard-managed API keys, webhook management, exchange-rate access, transaction confirmation flows, and wallet/deposit-address retrieval
Markets MCP access and AI-agent-specific product positioning alongside a separate self-custodial consumer wallet surface
Key claims:
The main site brands Neutron as “Bitcoin & Lightning Infrastructure for AI Agents” and lists API and SDK access, a developer dashboard, and MCP access as core product features
The site’s pricing/features content also describes multi-currency support across 30-plus fiat currencies, suggesting a broader payments-control-plane posture than a single-rail Lightning API
The for-humans wallet page says Neutron never holds the user’s funds, describes the wallet as self-custodial, and claims support for borderless usage plus BTC, USDT, and 30-plus fiat currencies
The official SDK README describes Neutron as a single API for Bitcoin Lightning, stablecoins, and fiat payments, and organizes the platform into resources for accounts, transactions, Lightning, webhooks, exchange rates, and fiat payouts
The SDK examples explicitly cover Lightning invoices, Lightning Address payments, onchain BTC sends, BTC-to-USDT conversion, deposit-address retrieval, webhook verification, and fiat payout flows
The SDK key-concepts section says KYC is required only for fiat payouts, while Bitcoin, stablecoin, and swap flows do not require KYC in the documented flow
The API docs’ fiat-out page says Neutron supports sending fiat payouts to local bank accounts or mobile-money systems in selected countries
Whitepaper: No canonical standalone Neutron whitepaper or litepaper surfaced in this pass. The clearest current source of truth was the Neutron site, the wallet/product pages, the SDK README, and the public API docs snippets; see ../whitepapers/neutron-primary-sources-2026-05-02.md.