Lumx raised a $3.4M Seed Round

The operating system for

stablecoin payments

Payments orchestration, multi-currency accounts, custodial wallets, and automated compliance. Everything you need to move money globally, unified in one API.

Get started

Custodial Wallets

Enterprise-grade custodial wallets with user fund segregation and integrated compliance.

USDT

USDT WALLET

$144,230.00

304 31

USDC

USDC WALLET

$144,230.00

304 31

$144,230.00

Total Balance

0xf1d3

3253

0xh5p8

0510

Named Virtual Accounts

Multi-currency accounts with local banking details for global collections and payouts.

ACH

9593

40,630.00

USD

Routing number

026009593

Account number

123456789012

Account Holder

Lumx US OP

8 The Green, #21425

Dover, WY 19901

Bank details

Bank of America, N.A.

222 Broadway, New York

NY 10038, USA

USD VIRTUAL ACCOUNT

Global Payments

Accept payments in local currency and send payments globally with low fees.

Total Balance: $144,230.00 USD

From:

USDC

0187 4

400.00

USDC

$40,630.00

Max.

Receive:

BRL

PIX

001.545.678-00

2,205.46

BRL

2,190.83 BRL

After fees

The operating system for stablecoin payments

Payments orchestration, multi-currency accounts, custodial wallets, and automated compliance. Everything you need to move money globally, unified in one API.

Lumx raised a $3.4M Seed Round

Get started

Global Payments

Accept payments in local currency and send payments globally with low fees.

Total Balance: $144,230.00 USD

From:

USDC

0187 4

400.00

USDC

$40,630.00

Max.

Receive:

BRL

PIX

001.545.678-00

2,205.46

BRL

2,190.83 BRL

After fees

Named Virtual Accounts

Multi-currency accounts with local banking details for global collections and payouts.

ACH

9593

40,630.00

USD

Routing number

026009593

Account number

123456789012

Account Holder

Lumx US OP

8 The Green, #21425

Dover, WY 19901

Bank details

Bank of America, N.A.

222 Broadway, New York

NY 10038, USA

USD VIRTUAL ACCOUNT

Custodial Wallets

Enterprise-grade custodial wallets with user fund segregation and integrated compliance.

USDT

USDT WALLET

$144,230.00

304 31

USDC

USDC WALLET

$144,230.00

304 31

$144,230.00

Total Balance

0xf1d3

3253

0xh5p8

0510

Trusted by category leaders

MODERN PAYMENT INFRASTRUCTURE

Why global payments need an upgrade

Multi-day settlements, correspondent fees, and manual compliance slow down global operations. Modern infrastructure removes the friction.

Get started

Expanded reach, reduced complexity

Use multi-currency virtual accounts and stablecoin settlement to operate in new markets with reduced overhead.

One platform, integrated operations

Single platform for conversion, routing, custody, and compliance. Replaces fragmented systems with integrated operations.

Mike
Sent
245,000.00
ARS
1,312.01 HKD
John
Sent
800
EUR
5,197.76 BRL
Anna
Transfer
1,460
CNY
207.44 USDT
Alex
Received
800
USDC
800 USD

From:

USDC

8,400.00

USDC

$40,630.00

Max.

9593

Receive:

EUR

7,151.68

EUR

7,115.92 EUR

After fees

0130 00

Transfer now

Mike
Sent
245,000.00
ARS
1,312.01 HKD
John
Sent
800
EUR
5,197.76 BRL
Anna
Transfer
1,460
CNY
207.44 USDT
Alex
Received
800
USDC
800 USD

From:

USDC

8,400.00

USDC

$40,630.00

Max.

9593

Receive:

EUR

7,151.68

EUR

7,115.92 EUR

After fees

0130 00

Transfer now

Mike
Sent
245,000.00
ARS
1,312.01 HKD
John
Sent
800
EUR
5,197.76 BRL
Anna
Transfer
1,460
CNY
207.44 USDT
Alex
Received
800
USDC
800 USD

From:

USDC

8,400.00

USDC

$40,630.00

Max.

9593

Receive:

EUR

7,151.68

EUR

7,115.92 EUR

After fees

0130 00

Transfer now

Traditional Market

Acme Corp.

1-5 days

Higher fees

With Lumx

Acme Corp.

<30min

Lower fees

INSTANT SETTLEMENT, LOWER COSTS

Settlement in minutes instead of T+2/T+3 cycles. Transaction costs up to 90% lower than correspondent banking networks.

TRANSACTION DETAILS

#02334567

You sent

40,630.00

USD

You receive

40,630.00

USDC

Dec 16 2025, 03:09 AM

ALWAYS-ON INFRASTRUCTURE

Move money 24/7, without banking hour restrictions. Process payments instantly across weekends, holidays, and time zones.

MADE FOR DEVELOPERS

Build global payment flows with one API

REST API for conversion, account management, custody, and compliance. Integrate stablecoin payments using familiar banking primitives—no crypto expertise needed.

Read Docs

createCustomer.ts

linkBankAccount.ts

executePayment.ts

PartnerFees.ts

Onboard a Customer

Onboard customers with automated KYC/KYB verification. Each customer gets a dedicated custodial wallet and named virtual accounts for seamless payment operations.

Link a Bank Account

Link bank accounts for payouts, either the customer's own accounts or third-party beneficiaries. Supports multiple currencies and payment rails for global distributions.

Execute a Payment

Send payments globally or collect from customers. Real-time exchange rates, instant settlement, and complete transaction visibility through one API.

Configure Partner Fees

Monetize your platform by setting custom fees on transactions. Lumx handles collection and revenue sharing automatically—you define the fee structure, we handle the rest.

POST

https://api.lumx.io/customers

{
  "id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
  "type": "BUSINESS",
  "legalName": "Lumx S.A",
  "taxId": "42.887.120/0001-00",
  "incorporationDate": "2020-01-01",
  "country": "BRA",
  "email": "hello@lumx.io",
  "walletAddress": "0x1234567890123456789012345678901234567890",
  "blockExplorerUrl": "https://amoy.polygonscan.com/address/0x123456789012
3456789012345678901234567890",
  "verification": {
    "status": "NOT_STARTED",
    "level": "STANDARD",
    "link": "https://in.sumsub.com/websdk/p/sbx_aA00bB11cC33dD44"
  },
  "transactionLimits": {
    "single": "1000.00",
    "daily": "10000.00",
    "monthly": "100000.00"
  },
  "createdAt": "2021-01-01T00:00:00Z",
  "updatedAt": "2021-01-01T00:00:00Z"
}

Onboard a Customer

Onboard customers with automated KYC/KYB verification. Each customer gets a dedicated custodial wallet and named virtual accounts for seamless payment operations.

Link a Bank Account

Link bank accounts for payouts, either the customer's own accounts or third-party beneficiaries. Supports multiple currencies and payment rails for global distributions.

Execute a Payment

Send payments globally or collect from customers. Real-time exchange rates, instant settlement, and complete transaction visibility through one API.

Configure Partner Fees

Monetize your platform by setting custom fees on transactions. Lumx handles collection and revenue sharing automatically—you define the fee structure, we handle the rest.

POST

https://api.lumx.io/customers

{

"id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",

"type": "BUSINESS",

"legalName": "Lumx S.A",

"taxId": "42.887.120/0001-00",

"incorporationDate": "2020-01-01",

"country": "BRA",

"email": "hello@lumx.io",

"walletAddress": "0x1234567890123456789012345678901234567890",

"blockExplorerUrl": "https://amoy.polygonscan.com/address/0x1234567890123456789012345678901234567890",

"verification": {

"status": "NOT_STARTED",

"level": "STANDARD",

"link": "https://in.sumsub.com/websdk/p/sbx_aA00bB11cC33dD44"

"transactionLimits": {

"single": "1000.00",

"daily": "10000.00",

"monthly": "100000.00"

"createdAt": "2021-01-01T00:00:00Z",

"updatedAt": "2021-01-01T00:00:00Z"

}

Onboard a Customer

Onboard customers with automated KYC/KYB verification. Each customer gets a dedicated custodial wallet and named virtual accounts for seamless payment operations.

Link a Bank Account

Link bank accounts for payouts, either the customer's own accounts or third-party beneficiaries. Supports multiple currencies and payment rails for global distributions.

Execute a Payment

Send payments globally or collect from customers. Real-time exchange rates, instant settlement, and complete transaction visibility through one API.

Configure Partner Fees

Monetize your platform by setting custom fees on transactions. Lumx handles collection and revenue sharing automatically—you define the fee structure, we handle the rest.

POST

https://api.lumx.io/customers

{
  "id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
  "type": "BUSINESS",
  "legalName": "Lumx S.A",
  "taxId": "42.887.120/0001-00",
  "incorporationDate": "2020-01-01",
  "country": "BRA",
  "email": "hello@lumx.io",
  "walletAddress": "0x1234567890123456789012345678901234567890",
  "blockExplorerUrl": "https://amoy.polygonscan.com/address/0x123456789012
3456789012345678901234567890",
  "verification": {
    "status": "NOT_STARTED",
    "level": "STANDARD",
    "link": "https://in.sumsub.com/websdk/p/sbx_aA00bB11cC33dD44"
  },
  "transactionLimits": {
    "single": "1000.00",
    "daily": "10000.00",
    "monthly": "100000.00"
  },
  "createdAt": "2021-01-01T00:00:00Z",
  "updatedAt": "2021-01-01T00:00:00Z"
}

LUMX INFRASTRUCTURE

The foundation that powers global payments

Your Business

Your application sits on top of Lumx. Lumx handles everything underneath—liquidity, payment rails, custody, and compliance—so you can focus on building for your customers.

LUMX

Modern rails for global pay-ins, payouts, wallets, and FX, helping LATAM businesses move money faster, cheaper, and with compliance built in.

Institutional Liquidity

Access deep, institutional‑grade liquidity in major stablecoins and fiat currencies to fund and settle global flows.

Local Payment Rails

Connect to local payment methods and instant transfer networks across LATAM through a single integration.

Banking and Wallet Infrastructure

Open and manage multi‑currency business accounts and wallets without setting up entities or bank relationships in each country.

Regulatory Compliance

Operate with KYC, AML, and transaction monitoring built in, reducing regulatory risk and audit overhead for your team.

Your Business

Your application sits on top of Lumx. Lumx handles everything underneath—liquidity, payment rails, custody, and compliance—so you can focus on building for your customers.

LUMX

Modern rails for global pay-ins, payouts, wallets, and FX, helping LATAM businesses move money faster, cheaper, and with compliance built in.

Institutional Liquidity

Access deep, institutional‑grade liquidity in major stablecoins and fiat currencies to fund and settle global flows.

Local Payment Rails

Connect to local payment methods and instant transfer networks across LATAM through a single integration.

Banking and Wallet Infrastructure

Open and manage multi‑currency business accounts and wallets without setting up entities or bank relationships in each country.

Regulatory Compliance

Operate with KYC, AML, and transaction monitoring built in, reducing regulatory risk and audit overhead for your team.

Your Business

Your application sits on top of Lumx. Lumx handles everything underneath—liquidity, payment rails, custody, and compliance—so you can focus on building for your customers.

LUMX

Modern rails for global pay-ins, payouts, wallets, and FX, helping LATAM businesses move money faster, cheaper, and with compliance built in.

Institutional Liquidity

Access deep, institutional‑grade liquidity in major stablecoins and fiat currencies to fund and settle global flows.

Local Payment Rails

Connect to local payment methods and instant transfer networks across LATAM through a single integration.

Banking and Wallet Infrastructure

Open and manage multi‑currency business accounts and wallets without setting up entities or bank relationships in each country.

Regulatory Compliance

Operate with KYC, AML, and transaction monitoring built in, reducing regulatory risk and audit overhead for your team.

Global Payments

Collect and pay in any currency

Collect locally, settle globally

Accept local currency payments through multiple methods. Automatically convert funds to stablecoins for instant global settlement—or hold balances in your preferred currency.

Faster payouts

Send payouts in minutes to any country through stablecoin rails or local currency conversion. 24/7 settlement without banking hours or correspondent delays.

Complete transaction visibility

Track every payment in real time, from initiation to settlement. Full visibility into fees, exchange rates, and routing.

Collect locally, settle globally

Accept local currency payments through multiple methods. Automatically convert funds to stablecoins for instant global settlement—or hold balances in your preferred currency.

Faster payouts

Send payouts in minutes to any country through stablecoin rails or local currency conversion. 24/7 settlement without banking hours or correspondent delays.

Complete transaction visibility

Track every payment in real time, from initiation to settlement. Full visibility into fees, exchange rates, and routing.

Collect locally, settle globally

Accept local currency payments through multiple methods. Automatically convert funds to stablecoins for instant global settlement—or hold balances in your preferred currency.

Faster payouts

Send payouts in minutes to any country through stablecoin rails or local currency conversion. 24/7 settlement without banking hours or correspondent delays.

Complete transaction visibility

Track every payment in real time, from initiation to settlement. Full visibility into fees, exchange rates, and routing.

Book a demo

Go to dashboard

Total Balance: $144,230.00 USD

From:

USDT

0187 4

1,800.00

USDT

$40,630.00

Max.

Receive:

BRL

PIX

001.545.678-00

10,157.84

BRL

10,021.46 BRL

After fees

Named Virtual Accounts

Multi-currency accounts for global businesses

Dedicated account details

Issue virtual accounts in USD, EUR, MXN, and other currencies with real IBANs and routing numbers. Create named accounts for your business or your customers, each with unique bank details.

Branded for your customers

Issue accounts with your customer's name as holder—for both receiving payments and sending payouts. Dedicated banking details enable seamless two-way flows with instant reconciliation.

Unified management

Manage multi-currency operations in one place. Create accounts on demand, convert between currencies instantly, and track all transactions from a single interface.

Dedicated account details

Issue virtual accounts in USD, EUR, MXN, and other currencies with real IBANs and routing numbers. Create named accounts for your business or your customers, each with unique bank details.

Branded for your customers

Issue accounts with your customer's name as holder—for both receiving payments and sending payouts. Dedicated banking details enable seamless two-way flows with instant reconciliation.

Unified management

Manage multi-currency operations in one place. Create accounts on demand, convert between currencies instantly, and track all transactions from a single interface.

Dedicated account details

Issue virtual accounts in USD, EUR, MXN, and other currencies with real IBANs and routing numbers. Create named accounts for your business or your customers, each with unique bank details.

Branded for your customers

Issue accounts with your customer's name as holder—for both receiving payments and sending payouts. Dedicated banking details enable seamless two-way flows with instant reconciliation.

Unified management

Manage multi-currency operations in one place. Create accounts on demand, convert between currencies instantly, and track all transactions from a single interface.

Book a demo

Go to dashboard

SEPA

0130 00

40,630.00

USD

IBAN

DE89 3704 0044 0532 0130 00

BIC/SWIFT Code

COBADEFFXXX

Account Holder

Lumx US OP

8 The Green, #21425

Dover, WY 19901

Bank details

Commerzbank AG

Kaiserplatz, 60311

Frankfurt am Main, Germany

EURO VIRTUAL ACCOUNT

ACH

9593

40,630.00

USD

Routing number

026009593

Account number

123456789012

Account Holder

Lumx US OP

8 The Green, #21425

Dover, WY 19901

Bank details

Bank of America, N.A.

222 Broadway, New York

NY 10038, USA

USD VIRTUAL ACCOUNT

Custodial Wallets

Hold stablecoins securely at any scale

Segregated custody infrastructure

Manage stablecoin funds on behalf of customers without the overhead. Each customer gets dedicated wallets with complete fund segregation and full regulatory compliance.

One view for all balances

Hold stablecoins across multiple blockchains with a unified balance view. Manage wallets across networks through a single integration.

Unified with payments and accounts

Native integration with Global Payments and Named Accounts. Manage wallets, convert currencies, and route payments through a unified infrastructure.

Segregated custody infrastructure

Manage stablecoin funds on behalf of customers without the overhead. Each customer gets dedicated wallets with complete fund segregation and full regulatory compliance.

One view for all balances

Hold stablecoins across multiple blockchains with a unified balance view. Manage wallets across networks through a single integration.

Unified with payments and accounts

Native integration with Global Payments and Named Accounts. Manage wallets, convert currencies, and route payments through a unified infrastructure.

Segregated custody infrastructure

Manage stablecoin funds on behalf of customers without the overhead. Each customer gets dedicated wallets with complete fund segregation and full regulatory compliance.

One view for all balances

Hold stablecoins across multiple blockchains with a unified balance view. Manage wallets across networks through a single integration.

Unified with payments and accounts

Native integration with Global Payments and Named Accounts. Manage wallets, convert currencies, and route payments through a unified infrastructure.

Book a demo

Go to dashboard

USDT

USDT WALLET

$144,230.00

304 31

USDC

USDC WALLET

$40,630.00

304 31

Total Balance

$144,230.00

0xf1d3

3253

0xh5p8

0510

GET STARTED

Ready to modernize your payment infrastructure?

Book a demo

Create an account

Empowering Borderless Growth

Built for the businesses powering global commerce

From neobanks and exchanges to FX brokers and remittance platforms—our infrastructure powers cross-border payments for businesses operating at scale.

Streamline International Trade

Scale Payment Operations

Launch Global Accounts

Move Trading Capital

Streamline International Trade

For trading companies, importers, and global businesses

Settle international invoices in minutes instead of days

Reduce transaction costs by up to 90% vs correspondent banking

Eliminate FX volatility with instant stablecoin conversion

Automated compliance reporting for multi-jurisdiction operations

Scale Payment Operations

For PSPs, payroll platforms, and marketplaces

Process pay-ins and payouts at scale through unified API infrastructure

Settle merchants in stablecoins or convert to local currency instantly

Enable instant settlements to named accounts or third-party beneficiaries

Automated reconciliation for high-volume flows

Launch Global Accounts

For neobanks, fintechs, and digital wallets

Issue USD and EUR accounts with real IBANs and routing numbers

Enable instant international transfers through stablecoin rails

Enterprise custody without building infrastructure

Launch in new markets without local banking relationships or entities

Move Trading Capital

For crypto exchanges, FX brokers, and trading platforms

Instant fiat on/off-ramps with deep liquidity

Real-time settlement eliminates T+2 risk and improves capital efficiency

Access institutional FX rates that improve your margins

Built-in compliance for regulatory reporting

COMPLIANCE BY DESIGN

Compliance infrastructure that scales with you

Designed to operate across multiple jurisdictions. Automated KYC, transaction monitoring, and regulatory reporting built into the platform. Compliance that doesn't slow you down.

Processing KYB

Acme Corp

Approved

BUSINESS

d01b

Tax ID

42.887.120/0001-00

Named Accounts

Enabled

Payments

Enabled

Regulated across jurisdictions

Travel Rule messaging

Regulatory reporting

Security certifications

MULTI-JURISDICTION COMPLIANCE

Licensed across jurisdictions with cross-border reporting. Meet local regulatory requirements in every market.

UBO

KYC

Updated at

Status

John

Link

Dec. 17, 2025

Not Started

Harry

Link

Dec. 15, 2025

Under Verification

Fred

Link

Dec. 16, 2025

Temp. Rejection

Jane

Link

Dec. 16, 2025

Approved

Tom

Link

Dec. 15, 2025

Approved

CUSTOMER ONBOARDING

Automated identity verification and business onboarding, built into the platform for compliant growth

IN RFB 1.888/2019

IN RFB 2.291/2025

ERP Integration File

Monthly Financial Report

Download all

REPORTS & EXPORTS

Automated generation of regulatory-ready reports. Export transaction data and tax reports on demand, audit-ready at all times.

Transaction Risk Score

Low

Status

Approved

Date

Dec. 15, 2025

Transaction ID

000191818882

TRANSACTION MONITORING

Continuous transaction monitoring with best-in-class risk detection tools. Automated risk scoring, instant blocking of suspicious activity, and detailed audit trails.

DASHBOARD & ANALYTICS

`Real-time visibility and control across all operations`

Track

Monitor all payment activity, balances, and customers in real time from one dashboard.

View dashboard

Manage

Set user permissions, transaction limits, and operational controls to maintain security and oversight.

View dashboard

Configure

Adjust fees, manage API keys, and configure webhooks without code deployments. Changes take effect instantly.

View dashboard

Analyze

Live reports and data exports for tracking transaction volumes, margins, and performance metrics in real time.

View dashboard

Track

Monitor all payment activity, balances, and customers in real time from one dashboard.

View dashboard

Manage

Set user permissions, transaction limits, and operational controls to maintain security and oversight.

View dashboard

Configure

Adjust fees, manage API keys, and configure webhooks without code deployments. Changes take effect instantly.

View dashboard

Analyze

Live reports and data exports for tracking transaction volumes, margins, and performance metrics in real time.

View dashboard

Track

Monitor all payment activity, balances, and customers in real time from one dashboard.

View dashboard

Manage

Set user permissions, transaction limits, and operational controls to maintain security and oversight.

View dashboard

Configure

Adjust fees, manage API keys, and configure webhooks without code deployments. Changes take effect instantly.

View dashboard

Analyze

Live reports and data exports for tracking transaction volumes, margins, and performance metrics in real time.

View dashboard

Backed by leading investors driving innovation and sustainable growth

Build your payment infrastructure with Lumx

Create an account to start exploring the platform, or schedule a call to discuss a custom integration for your business.

Start now

Book a demo

Start your integration

Begin your integration in minutes, scale as you go.

API reference