General
Legal and Privacy
Providers List
Supported Countries
Updated on October 2026.
Where Lumx operates, where Enhanced Due Diligence applies, and where onboarding is restricted.
Every jurisdiction falls into one of three tiers. The tier determines whether you can onboard a customer based there and how much compliance review they go through. Tiers reflect Lumx’s internal risk appetite, partner bank requirements, and external references (FATF guidance, UN, U.S. OFAC, EU, and UK sanctions lists), and are reassessed as those inputs change.
Supported
Standard compliance procedures apply.
Crimea, Donetsk, Luhansk, Kherson, and Zaporizhzhia (non-government-controlled areas) are restricted regardless of the country-level classification.
High-Risk (EDD Required)
Onboarding is allowed, but every customer goes through Enhanced Due Diligence. Expect additional documents, beneficial-owner analysis, and longer verification windows.
EDD customers may be asked for additional documents via Request for Information (RFI). Plan for verification windows beyond the standard SLA.
Restricted
No transactions, partnerships, or business relationships allowed. Onboarding a customer with any restricted nexus (residence, incorporation, principal place of business, or beneficial ownership) will be rejected.
Hidden exposure detected after onboarding can result in account suspension, freezing, or termination.
Updates and exceptions
Classifications get reassessed as sanctions regimes, FATF guidance, and partner bank policies change.
Lumx may approve or refuse onboarding outside the standard tier in limited cases, based on a customer’s specific activity or counterparty exposure.
A country being Supported means Lumx will onboard the customer. It doesn’t guarantee a specific local payment rail.
EUR and GBP Payments — Additional Country Policy
Payments settled in Euro (EUR) or British Pound (GBP) are processed through OpenPayd, which applies its own country acceptance policy independently of Lumx’s general onboarding tiers above. A country that is Supported under Lumx’s standard policy may still be unavailable for EUR or GBP settlements if OpenPayd restricts it.
The tables below reflect OpenPayd’s positions. If your corridor is not listed as Standard here, EUR/GBP payouts to that destination are not available regardless of your Lumx account tier.
Standard — EUR/GBP Available
EUR and GBP settlements are processed normally for customers from these jurisdictions.
EDD Required — EUR/GBP Available with Enhanced Review
EUR and GBP settlements are available but require Enhanced Due Diligence. Additional documentation may be requested before processing.
Not Available — EUR/GBP Payments Blocked
EUR and GBP settlements are not available for customers from these jurisdictions, even if they are onboarded under Lumx’s standard or EDD tier.