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. OpenPayd’s policy looks at both the customer’s country and the origin and destination of each payment.
Permitted
OpenPayd primarily serves customers in the United Kingdom (including Gibraltar, Guernsey, the Isle of Man and Jersey) and the European Economic Area (EEA).
Case-by-case approval
Customers from these countries can use EUR or GBP only after OpenPayd approves them individually, following due diligence. Approval isn’t guaranteed.
Prohibited
OpenPayd doesn’t serve customers located in these countries, or those customers’ own customers, and doesn’t process payments to or from them. The prohibition also covers ultimate beneficial owners and directors located in these countries, unless OpenPayd grants an exception.
* Customers located in these countries can’t use EUR or GBP. Payments to or from these countries can still be processed, after due diligence.