How To Swap Lightning Funds to On-Chain
Send your Lightning balance to any on-chain Bitcoin address: your own wallet, a hardware wallet, or an exchange's Bitcoin deposit address. There's no separate swap service and no KYC. The payment goes out from your Rizful vault as a normal Bitcoin transaction.
What you need
- A free Rizful account with a Lightning balance of at least 5,000 sats, plus the fees (below). You sign up with an email and a password; Rizful's sign-up page says anonymous email services, "hide my email" services and VPNs are OK.
- A Bitcoin address to send to. It must be a mainnet address starting with
1,3,bc1qorbc1p. Not sure about an address? Check it first with the free Bitcoin Address Checker.
Steps
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Sign up for a free Rizful account at rizful.com
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Tap the Send icon
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Select Send On-Chain
Select 'Send On-Chain' -
Paste the destination address into Destination Bitcoin Address. Rizful checks it as you paste or type and won't continue with an address that isn't valid.
- Enter the amount in sats. Its value in BTC and in your currency appears underneath, and below 5,000 sats Rizful says so straight away: "Amount must be at least 5,000 sats."
- Tap Initiate Payment. The Payment Summary shows the amount to send, then the two fees on their own lines (Platform fee and Network fee, at current fee rates), then the Total that will leave your balance.
- Check the address once more, then tick "I confirm the above Bitcoin address is correct, and I acknowledge that on-chain payments are irreversible." The Confirm & Send Payment button turns green.
- If your account uses two-factor authentication, enter your 6-digit code.
- Tap Confirm & Send Payment. Rizful broadcasts the transaction and shows Transaction Broadcast, with a View on mempool.space link to follow it.
What it costs
Rizful shows the fees on their own lines in the Payment Summary, before you confirm: a platform fee and the Bitcoin network fee. They come out of your balance on top of the amount, so the address receives exactly the amount you typed. What they came to on a real swap is below.
The network fee is set when you send, from current fee rates, and it doesn't grow with the amount. Check the live Bitcoin fees to see what the network looks like right now.
A real example
On November 5, 2026 we sent 10,000 sats from a Rizful vault to our own Electrum wallet:
| Payment Summary | Sats |
|---|---|
| Amount to send | 10,000 |
| Platform fee (0.5%) | 50 |
| Network fee, at current fee rates | 705 |
| Total from the Rizful balance | 10,755 |
| Arrived in Electrum | 10,000 |
mempool.space first showed the transaction as unconfirmed, with an estimate of about ten minutes. We were lucky: it was in block 974,711, "confirmed after 39 seconds" by mempool.space's count. Electrum listed it as unconfirmed, then as confirmed once the block arrived.
Limits
- Minimum: 5,000 sats.
- Maximum: your balance minus the fees. If you type more, Rizful tells you the most you can send.
How long it takes
Rizful chooses the network fee for you. Payments over 250,000 sats aim for the next block; smaller ones aim for one of the next three blocks. Bitcoin blocks arrive about every 10 minutes on average, so most payments confirm within half an hour, but a busy network or a slow block can stretch that.
If the transaction is still waiting, paste its ID into the Unconfirmed Transaction Checker to see where it stands. An exchange may wait for several confirmations before it credits a deposit.
Common questions
Can I send to an exchange? Yes. Use the exchange's Bitcoin deposit address on the Bitcoin network. Don't use a Lightning deposit option or an address on another chain.
Can I cancel it? No. Once broadcast, an on-chain payment can't be reversed, which is why Rizful asks you to confirm the address.
Can I go the other way? Yes: How to Swap On-Chain Funds To Lightning.
I used Boltz for this. Boltz took its swap services offline on August 3, 2026, and boltz.exchange no longer loads. See Best Free Boltz Alternative, which also compares the other options.
I take payments with BTCPay Server and used the Boltz plugin. Connect your store to Rizful with the free OpenReceive plugin and a receive-only code, then move the sales on-chain as above: Best Free Boltz BTCPay Plugin Alternative.