Trusted by category leaders
CASES
Real results on
stablecoin rails
Neobanks, traditional banks, FX brokers, and payroll platforms build global payment flows on Lumx, without becoming crypto companies. Explore the stories behind the numbers.
Ouribank launched stablecoin FX in weeks, not months.
Conta Simples added native global payments and grew transactions 8.4x.
Logcomex went live with 4+ currency corridors on day one.
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.
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.
INSTANT SETTLEMENT, LOWER COSTS
Settlement in minutes instead of T+2/T+3 cycles. Transaction costs up to 90% lower than correspondent banking networks.
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.
LUMX INFRASTRUCTURE
The foundation that powers global payments
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.
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.
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.
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
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, EUR, and GBP accounts with real IBANs, routing numbers, and sort codes
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
ID
d01b
Tax ID
42.887.120/0001-00
Named Accounts
Enabled
MULTI-JURISDICTION COMPLIANCE
Built for each market’s regulatory requirements, with cross-border reporting. Meet local regulatory requirements in every market.
CUSTOMER ONBOARDING
Automated identity verification and business onboarding, built into the platform for compliant growth
REPORTS & EXPORTS
Automated generation of regulatory-ready reports. Export transaction data and tax reports on demand, audit-ready at all times.
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
Backed by leading investors driving innovation and sustainable growth
Frequently asked questions
Lumx is stablecoin payments infrastructure for businesses that move money between Latin America and the rest of the world. One API collects, holds, converts and pays out in BRL, MXN, COP, USD, EUR and GBP or in USDC and USDT, over local rails like PIX, SPEI, PSE, Bre-B, ACH, SEPA and Faster Payments.
What is Lumx?
Stablecoin payments infrastructure for businesses that move money between Latin America and the rest of the world. One API collects, holds, converts and pays out in six currencies or in USDC and USDT, with named virtual accounts, custodial wallets and KYB/KYC built in.
Who is Lumx for?
Companies that move money for businesses, their own or their customers'. Business banking and spend-management platforms use Lumx to give companies accounts that pay and collect abroad (Conta Simples). Software platforms embed it to pay and collect for their customers, in payroll, marketplaces, ERP and trade software (Logcomex, TechFX). Companies use it to pay suppliers, collect from payers abroad and move treasury between their own entities. Neobanks and payment providers use it for their own treasury (Nomad, EBANX).
Is Lumx regulated?
Lumx US OP LLC is a FinCEN-registered Money Services Business; regulated money transmission runs through licensed financial-institution partners. In Brazil, Lumx Sociedade Prestadora de Serviços de Ativos Virtuais Ltda filed its SPSAV authorization request with the Central Bank on October 27, 2026, and operates under the Article 88 transition regime of Resolution 520/2025. Lumx is not a bank.
How much does Lumx cost?
Pricing is usage-based and tiered to volume: FX fees by monthly volume tier on top of the mid-market rate, a flat fee per payment rail, fees for virtual accounts and custody, and a one-time KYC/KYB fee per entity. A standard agreement has a monthly minimum, no setup fee, a ramp-up period and quarterly re-tiering. Contact sales for rates.
How do I get started?
Create an account in the dashboard and test in the sandbox. Lumx runs KYB on your company with a one-business-day target, and local accounts are active right after approval. The docs at docs.lumx.io cover the API, webhooks and an MCP server for AI coding tools.
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.
