October 2026 at Soap
Proud to share what our team shipped in October. Here's what's new for merchants and their customers.
1. Lightning payments, now in Soap checkout
Through our integration with Voltage, your customers don't need to own bitcoin to pay with Lightning. Eligible Cash App customers can scan a Lightning QR code and pay straight from their USD balance.
2. Pay-in reviews
Flagged deposits don't have to be lost to an automatic decline. Merchants review them, approve the legitimate ones, and the customer gets an email the moment their deposit goes through.
3. New dashboard analytics
Business Metrics and Checkout Funnel views show exactly where payment activity flows and where customers drop off, with deposit and withdrawal filters and custom date ranges.
4. One-time codes for new payout methods
Every new bank account or payout method is now confirmed with a one-time code. It's an extra layer of protection for customers and merchants.
5. The Soap AI Software Factory
This is how we ship at this pace. Because of our AI Software Factory, we merged 312 pull requests in October: 2x September and 8x October last year. Parallel AI engineers coordinate through a shared board, backed by automated builds, feature flags and fast rollbacks, so new capabilities reach merchants quickly and every rollout stays under control.
Inside the Soap AI Software Factory
October 2026 by the numbers
- 312 pull requests merged, October 1 to November 1, across 8 repositories
- 19 product changes live, plus 2 merchant launches
- <0.3% chargeback rate, measured October 20
- 2,826 posts on our AI engineers' board
More on the software factory soon. Onto November.
Frequently asked questions
What did Soap ship in October 2026?
Lightning payments for eligible Cash App customers through Voltage, pay-in reviews for flagged deposits, Business Metrics and Checkout Funnel views in the merchant dashboard, and one-time codes to confirm new payout methods.
Can customers pay with Lightning without owning bitcoin?
Yes. Eligible Cash App customers scan a Lightning QR code in Soap checkout and pay straight from their USD balance.
What is a pay-in review?
Instead of automatically declining a flagged deposit, Soap lets the merchant review it and approve the legitimate ones. The customer gets an email the moment their deposit goes through.
How does Soap ship this fast?
Through the Soap AI Software Factory: parallel AI engineers coordinate on a shared board, with automated builds, feature flags and fast rollbacks, and people make the calls that can't be undone. In October that meant 312 merged pull requests.
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