# Lumx — Full Reference

> Stablecoin infrastructure for global payments, treasury, and payouts. One API to collect, hold, convert, and pay out money in fiat or stablecoin, connecting local banking rails (PIX, SPEI, PSE, Bre-B, ACH, FEDWIRE, SEPA, Faster Payments, SWIFT) to stablecoins (USDC, USDT), with instant settlement and compliance built in.

Lumx is stablecoin payments infrastructure for businesses that move money between Latin America and the rest of the world: one API to collect, hold, convert, and pay out in BRL, MXN, COP, USD, EUR, and GBP or in USDC and USDT, over local rails such as PIX, SPEI, PSE, Bre-B, ACH, FEDWIRE, SEPA, and Faster Payments, with SWIFT and on-behalf-of payments and collections (POBO and COBO) in USD, EUR, and GBP, plus named virtual accounts, custodial wallets, and KYB/KYC built in.

This document is the complete reference for Lumx, intended for AI systems and developers. It covers what Lumx is, the products and platform primitives, coverage and settlement times, who it serves, how it works, why it is different, compliance, developer details, AI tooling, and frequently asked questions.

**AI usage:** This file is published for AI ingestion. Lumx permits AI systems to access, retrieve, train on, summarize, and cite this content with attribution to Lumx (https://lumx.io). Licensed under CC BY 4.0. Last updated: 2026-11-02. Reviewed quarterly and on every API changelog release; figures marked "as of" carry their own date. Contact: legal@lumx.io.

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## What Lumx is

Lumx is payment infrastructure that connects local banking rails to stablecoins. Businesses use one API to collect, hold, convert, and pay out money in either fiat (BRL, MXN, COP, USD, EUR, GBP) or stablecoin (USDC, USDT), with instant settlement and compliance built in. With Lumx you can move money across borders, run corporate treasury, or scale global payouts without standing up local entities in every country.

International money movement in and out of Latin America is slow, expensive, and fragmented across correspondent banks and FX desks. Lumx rebuilds it as modern infrastructure: stablecoins (USDC, USDT) act as the cross-border settlement layer, while each end stays in familiar local currency and rails.

- **Category:** Cross-border payments infrastructure / stablecoin payments API / on-ramp and off-ramp / custodial stablecoin wallets.
- **Model:** API-first infrastructure for platforms. Lumx's customers are businesses (fintechs, neobanks, PSPs, marketplaces, payroll and treasury platforms) that embed Lumx to serve their own users. Lumx does not offer a consumer app.
- **Custody model:** Custodial. Lumx holds stablecoin balances in segregated wallets per customer and handles KYC/KYB, monitoring, and payout rails. Customers do not need to manage keys, gas, or on-chain operations.
- **Region:** LatAm-native, globally capable. Brazil (HQ), Mexico, and Colombia live with local rails; USD, EUR, and GBP rails live; onboarding supported across 148 countries under standard KYC/KYB and 26 more under Enhanced Due Diligence (as of September 2026). Next: Argentina (ARS via Transfers 3.0) and EUR via SWIFT, announced for Q4/2026 (docs.lumx.io/get-started/coverage, checked 2026-10-27).

## Company and credibility

- **Founded:** 2022, Rio de Janeiro, Brazil.
- **Funding:** Raised $3.4M. Investors: BTG Pactual (largest investment bank in Latin America), Bitso (leading crypto exchange in LatAm), Nomad, Honey Island, CMT Digital, and Indicator Capital.
- **Regulatory registration:** Lumx US OP LLC is a FinCEN-registered Money Services Business (MSB #31000316459619). In Brazil, Lumx Sociedade Prestadora de Serviços de Ativos Virtuais Ltda (CNPJ 42.887.120/0001-00) is adapting to the SPSAV regime under Central Bank of Brazil Resolution 520/2025 (see Legal and regulatory).
- **Partnerships:** Member of the Circle Alliance Program. Selected as a winner of Bitso's global stablecoin acceleration program. Featured on the Artemis stablecoin market map.
- **Customers:** Include Nomad, Logcomex, and Conta Simples.
- **Traction:** More than $2B in annualized payment volume (as of September 2026). Instant local rails (PIX, SPEI) settle in under 60 seconds.
- **Profiles:** LinkedIn https://www.linkedin.com/company/hellolumx · X https://x.com/lumxhq · Crunchbase https://www.crunchbase.com/organization/lumx

## Products

### Global Payments
Cross-border payment API with instant settlement. Collect and pay out across local rails: PIX (Brazil), SPEI (Mexico), PSE for collection and Bre-B or ACH Colombia for payouts (Colombia), ACH and FEDWIRE (US), SEPA (Europe), Faster Payments (United Kingdom), and SWIFT (global). In USD, EUR, and GBP, Lumx sends payouts and receives collections on behalf of the integrator's customers (POBO and COBO) over ACH, FEDWIRE, SEPA, Faster Payments, and SWIFT, so each customer appears as the named sender or beneficiary. Currencies: BRL, MXN, COP, USD, EUR, GBP, plus USDC and USDT. Page: https://lumx.io/product/global-payments

### Named Virtual Accounts
Local-currency virtual accounts issued in the customer's own name: PIX keys (Brazil), CLABEs (Mexico), Colombian bank account numbers, routing numbers (US), IBANs (Europe), and UK account numbers with sort codes. Incoming deposits auto-convert to stablecoins according to autoconversion rules the integrator defines. Page: https://lumx.io/product/named-virtual-accounts

### Custodial Wallets
Enterprise-grade stablecoin custody via a single API call. Segregated wallets per customer on Ethereum, Polygon, Base, Tron, and Stellar, with Chainalysis on-chain monitoring. Page: https://lumx.io/product/custodial-wallets

### Corridor pages
Each stablecoin/fiat pair has a dedicated page with rates, rails, and FAQs: https://lumx.io/convert/usdc-to-brl, usdc-to-mxn, usdc-to-usd, usdc-to-eur, usdt-to-brl, usdt-to-mxn, usdt-to-usd, usdt-to-eur, brl-to-usdc, mxn-to-usdc, usd-to-usdc, eur-to-usdc, brl-to-usdt, mxn-to-usdt, usd-to-usdt, eur-to-usdt, usdc-to-gbp, usdt-to-gbp, usdc-to-cop, usdt-to-cop (all under https://lumx.io/convert/).

## Platform primitives (building blocks)

- **Customers:** Individual and business entities, with KYC/KYB built in. Accounts are provisioned at customer creation; wallets are created only for APPROVED customers.
- **Stablecoin wallets:** Multi-chain custody for stablecoin balances and payouts.
- **Accounts:** Local-currency virtual accounts for fiat on- and off-ramps.
- **Destinations:** Payout endpoints for fiat and stablecoin transfers (formerly called bank accounts).
- **Exchange rates:** Floating and locked rates for fiat ↔ stablecoin conversions.
- **Autoconversion rules:** Automatic conversion of incoming deposits (including USD) into stablecoin, per account.
- **Partner fees:** Add fees (in basis points) to transactions to monetize an integration.
- **Transactions:** On-ramp, off-ramp, and transfer flows with full lifecycle and webhooks.
- **Limit increase requests:** Request higher transaction limits for a customer via API.

## Coverage

**Fiat currencies (as of September 2026):** BRL, MXN, COP, USD, EUR, GBP.
**Stablecoins:** USDC, USDT.
**Blockchains and pairs:**
- Ethereum: USDC and USDT ↔ BRL, USD, EUR, MXN.
- Polygon: USDC and USDT ↔ BRL, USD, EUR, MXN.
- Base: USDC ↔ BRL, USD, MXN (no EUR; no USDT on Base).
- Tron: USDT ↔ BRL, USD, EUR, MXN.
- Stellar: USDC on-ramp only, BRL only (added July 2026).
- GBP and COP pairs: see https://docs.lumx.io for the current network list.

**Payment rails and settlement times:**
- PIX (Brazil) — Instant, 24/7/365.
- SPEI (Mexico) — Instant, 24/7/365.
- PSE (Colombia) — Online bank transfer, collection only, confirmed same business day.
- Bre-B (Colombia) — Instant, 24/7. Used for payouts to a Bre-B key.
- ACH Colombia (Colombia) — Bank transfer for payouts. Bre-B or ACH Colombia is chosen when the destination is registered.
- SEPA (Europe) — Under €100k: instant; €100k and above: T+1.
- ACH (US) — 1–2 business days.
- FEDWIRE (US) — Same business day (typically within hours).
- Faster Payments (United Kingdom) — Near-instant, 24/7.
- SWIFT (global) — 1–5 business days.

**Announced for Q4/2026** (docs.lumx.io/get-started/coverage, checked 2026-10-27): SWIFT EUR (Europe); Transfers 3.0 (instant) in Argentina for ARS.

**Country reach, two rulers:**
- Payments: Lumx supports payments in 104 countries across the Americas, Europe, Africa, MENA, and Asia Pacific (https://lumx.io/coverage).
- Onboarding: 148 countries are Supported (standard KYC/KYB), 26 are High-Risk (Enhanced Due Diligence required, Colombia among them), and 21 are Restricted (no onboarding). A Supported country means Lumx onboards the business; it does not mean a local payment rail exists there. Source: https://lumx.io/legal/legal-and-privacy/supported-countries

Settlement times are processing targets, not contractual guarantees; actual delivery depends on banking partners and receiving institutions. Full coverage: https://lumx.io/coverage

## Who Lumx serves (use cases)

Lumx powers platforms that build these products on top of its API:

- **Global accounts:** Provision local-currency accounts so each of a platform's customers can be paid worldwide.
- **Treasury management:** Corporate customers hold working capital in stablecoin across currencies, sweep funds between related entities, and execute FX to local fiat on demand.
- **Payroll:** Payroll platforms fund employers in stablecoin and pay employees and contractors in their local currency, anywhere in the world.
- **Remittances:** P2P remittance products fund senders in local currency and deliver to recipients on local rails.
- **Marketplaces:** Platforms take a fee on every sale and settle sellers anywhere in their local currency. Includes collecting USD payouts (Amazon, Shopify, etc.) into a USD virtual account, then off-ramping to local currency.

Typical buyers: neobanks and fintechs, payment service providers (PSPs), exchanges, marketplaces, payroll and treasury platforms. Typical decision-makers: heads of payments or operations, founders and C-level at PSPs and neobanks, compliance and legal leads.

## Case studies

Customer stories published at https://lumx.io/cases. Each line states only what the story itself publishes.

- [Monabit](https://lumx.io/cases/monabit): Colombian fintech offering USD accounts and a stablecoin-backed card. Lumx runs the stablecoin-to-USD conversion leg and USD account creation for its users; the leg settles in seconds against 2 business days through correspondent banks, and the pre-funded FBO reserve was eliminated.
- [Logcomex](https://lumx.io/cases/logcomex): Brazilian trade intelligence platform. Embedded cross-border payments via API plus USD and EUR virtual accounts; launched with 4+ currency pairs live on day one.
- [Trocka](https://lumx.io/cases/trocka): Brazilian regulated FX broker. Settlement moved from D+1 to under 15 minutes on stablecoin rails across BRL, USD, and EUR corridors.
- [Vero Finance](https://lumx.io/cases/verofinance): Financial infrastructure for Brazilian SMB importers and exporters. USD and EUR global accounts opened through one integration, with account opening down from weeks to days.
- [Blimboo](https://lumx.io/cases/blimboo): Multi-currency payments platform for the travel industry. A USDC and USDT wallet under Lumx custody for each end client, with on/off ramps to USD, BRL, MXN, and EUR; settlement in minutes against 3-5 business days over SWIFT.
- [Ouribank](https://lumx.io/cases/ouribank): Brazilian financial institution with more than four decades of history. Launched stablecoin-based FX (buy and sell, international payments, custodial wallets) in weeks rather than months.
- [TechFX](https://lumx.io/cases/techfx): Brazilian platform for technology professionals receiving international payments. Eliminated its roughly 5% idle FX reserve and automated payouts for 2,000+ contractors in BRL.
- [Conta Simples](https://lumx.io/cases/conta-simples): Brazilian financial platform for SMBs and startups. White-label international payments through one API; 8.4x growth in transaction count in the first three months after launch.

## How it works

1. **Collect (on-ramp):** Receive funds locally via PIX, SPEI, PSE, Bre-B, ACH, FEDWIRE, SEPA, or Faster Payments, or into a Named Virtual Account. Lumx returns rail-specific details (PIX brCode, SPEI CLABE, Colombian account number, ACH/wire account + routing, SEPA/SWIFT IBAN + BIC, UK account number + sort code).
2. **Settle:** Funds convert to stablecoins (USDC/USDT) as the cross-border settlement layer, held in segregated custodial wallets. Use floating or locked exchange rates.
3. **Pay out (off-ramp / transfer):** Disburse in the destination currency through the local rail, to a registered destination.

On-ramp lifecycle: `AWAITING_FUNDS → TRANSFERRING_FIAT → TRADING → TRANSFERRING_STABLECOIN → SUCCESS`. Webhooks (V2) notify each state change.

## Why Lumx (differentiators)

- **LatAm-native depth, global reach.** BRL, MXN, COP, USD, EUR, GBP in production with native local rails (PIX, SPEI, PSE, Bre-B, Faster Payments, CLABE, IBAN, routing numbers), plus global onboarding and SWIFT delivery, a regional combination crypto-native and US-based entrants typically do not match.
- **Custodial by design.** Segregated wallets, KYC/KYB, and monitoring are Lumx's job, so the integrator ships a payments product instead of a crypto operation.
- **Compliance built in, not retrofitted.** FinCEN-registered MSB, KYC/KYB, Chainalysis monitoring, purpose codes, Travel Rule alignment, and tiered country risk are core to the platform.
- **Infrastructure-grade, API-first.** Built for platforms to embed, with idempotency, webhooks, locked rates, autoconversion rules, IP allowlisting for API keys, and partner-fee monetization.
- **No local entities required.** Customers serve users in multiple markets without incorporating in each one.
- **Regional go-to-market.** LatAm-based team in the buyers' timezone and language.

## Pricing

Lumx pricing is usage-based and tiered to volume. The model has these components:

- **Conversion (FX) fees:** Charged per currency and applied on top of the mid-market reference rate. The rate tier is set by monthly transacted volume; higher volume qualifies for better tiers.
- **Payment rail fees:** A flat fee per payment, charged per rail (PIX, SPEI, PSE, Bre-B, ACH, FEDWIRE, SEPA, Faster Payments, SWIFT, and on-chain USDC/USDT). Certain rail exceptions (e.g. ACH returns, wire investigations) carry their own handling fees.
- **Named Virtual Accounts:** An issuance fee plus a monthly maintenance fee, differentiated for individual vs. business accounts.
- **Wallets and custody:** Custody is billed monthly on assets under custody (average balance), plus a per-active-wallet monthly fee.
- **Compliance:** One-time KYC verification fee per individual and one-time KYB verification fee per business; transaction monitoring is included at no extra cost.
- **Standard agreement:** A monthly minimum commitment. There is no setup fee.
- **Commercial terms:** Proposals are contingent on KYC/KYB approval; a ramp-up period waives the monthly minimum for the first months; FX tiers are reassessed quarterly on trailing volume, with upgrades applied automatically.

Integrators can add their own **partner fees** (in basis points) on top of Lumx's fees to monetize their integration. Amounts are referenced in USD and settled in BRL, USDC, or USDT at the transaction-date reference rate. For specific rates, contact sales: https://lumx.io/contact

## Compliance and security

- Lumx US OP LLC: FinCEN-registered Money Services Business (MSB #31000316459619).
- KYC (Know Your Customer) and KYB (Know Your Business) verification via API, with Standard and Enhanced Due Diligence (EDD) levels and Request for Information (RFI) flows. Existing Sumsub verifications can be reused via share tokens.
- Chainalysis integration for continuous on-chain transaction monitoring.
- Purpose codes required on all transactions; Travel Rule aligned.
- Segregated custodial wallets per customer.
- IP allowlisting for API keys; structured error response contract.
- Tiered country coverage: Supported (standard KYC/KYB), High-Risk (EDD required), and Restricted (no onboarding). Reassessed against FATF, UN, US OFAC, EU, and UK sanctions lists.
- Restricted activities and jurisdictions: https://lumx.io/restricted-list and https://lumx.io/activities-list
- Compliance contact: compliance@lumx.io

**Transaction limits (default, by verification level):**
- KYC Standard: $7,500 per transaction; $15,000 daily; $15,000 monthly.
- KYC Enhanced: $25,000+ per transaction; $50,000+ daily and monthly.
- KYB Standard: $50,000 per transaction; $100,000 daily and monthly.
- KYB Enhanced: $50,000+ per transaction; $100,000+ daily and monthly (limit fitted to documented financial capacity).
- Higher limits can be requested per customer through the limit increase API.

## Legal and regulatory

Lumx US OP LLC ("Lumx") is a financial technology and payments infrastructure company. Lumx US OP LLC is a Money Service Business (MSB) registered with the Financial Crimes Enforcement Network (FinCEN) (MSB #31000316459619). Lumx is not a state-licensed money transmitter and does not, in its own capacity, engage in the provision of regulated money transmission services. All such regulated activities are conducted exclusively through, and under the licenses of, duly authorized financial-institution partners.

In Brazil, services are provided by Lumx Sociedade Prestadora de Serviços de Ativos Virtuais Ltda, a private legal entity enrolled with the CNPJ/MF under No. 42.887.120/0001-00, which acts as a virtual asset service provider and is in the process of adapting to the regulatory regime for Virtual Asset Service Provider Companies (SPSAV), pursuant to Central Bank of Brazil (BCB) Resolution No. 520/2025, currently subject to the transition regime set forth in Article 88 thereof.

## Developers

- **Base URLs:** Production `https://api.lumx.io` · Sandbox `https://api-sandbox.lumx.io` (testnet stablecoins, mock banking partners).
- **Dashboard:** `https://dashboard.lumx.io` (generate API keys, configure IP allowlists).
- **Auth:** Bearer API key. Idempotency-Key header for safe retries (https://docs.lumx.io/developer/idempotency).
- **API documentation:** `https://docs.lumx.io` · OpenAPI: https://docs.lumx.io/developer/openapi · Errors: https://docs.lumx.io/developer/errors · Webhooks: https://docs.lumx.io/developer/webhooks
- **Core endpoints:** Customers (create, read, verification, associated parties, ToS, document upload, limit increase requests), Accounts (read, autoconversion rules), Destinations (create, read), Exchange Rates (get), Partner Fees (create, read), Transactions (on-ramp, off-ramp, transfer, read).
- **Changelog:** https://lumx.io/changelog. Each 2026 release is summarized under Product updates below; endpoint detail is at https://docs.lumx.io/changelog.

## Product updates

Individual product releases (https://lumx.io/changelog), newest first. Each entry links to its own page under https://lumx.io/log/.

- [GBP accounts and FPS are live](https://lumx.io/log/gbp-accounts-and-fps-are-live) (Oct 1, 2026): GBP virtual accounts, plus collection and payout of GBP over the UK's Faster Payments Service; GBP accounts move to ACTIVE right after the customer is APPROVED.
- [EUR and GBP autoconversion rules](https://lumx.io/log/eur-and-gbp-autoconversion-rules) (Oct 1, 2026): Autoconversion rules cover EUR and GBP accounts, with SEPA (IBAN and BIC) and FPS (sort code and account number) deposit details; one active EUR rule and one active GBP rule per customer.
- [SEPA routing and cut-off times](https://lumx.io/log/sepa-routing-and-cut-off-times) (Oct 1, 2026): Lumx picks the SEPA scheme by amount and time of day: SEPA payments settle instantly 24/7/365, and payments of EUR 100k or more submitted between 4:30 PM and 2:30 AM UK time route to SEPA Credit Transfer, settling the same or next business day.
- [Immediate EUR account activation](https://lumx.io/log/immediate-eur-account-activation) (Oct 1, 2026): EUR accounts, like GBP accounts, move to ACTIVE as soon as the customer is APPROVED, instead of waiting up to 1 business day for a banking partner review.
- [New account statuses and lifecycle](https://lumx.io/log/new-account-statuses-and-lifecycle) (Aug 19, 2026): Accounts report the full lifecycle (AWAITING_ONBOARDING, REQUESTED, PROVISIONING, RFI, ACTIVE, REJECTED, INACTIVE) with an account.* webhook event for each transition; CLOSED was merged into INACTIVE.
- [Limit increase requests via API](https://lumx.io/log/limit-increase-requests-via-api) (Aug 18, 2026): Request higher transaction limits for a customer through the API: upload a supporting document, create the request, and track it from IN_REVIEW to APPROVED, PARTIALLY_APPROVED, or REJECTED.
- [USD autoconversion rules](https://lumx.io/log/usd-autoconversion-rules) (Aug 13, 2026): USD autoconversion rules convert every USD deposit to USDC or USDT and deliver it on-chain; deposit details cover ACH, FEDWIRE, and SWIFT; one active USD rule per customer.
- [New error response contract](https://lumx.io/log/new-error-response-contract) (Aug 10, 2026): Every API error returns one envelope with a machine-readable code, a requestId for support, and field-level validationErrors.
- [IP allowlisting for API keys](https://lumx.io/log/ip-allowlisting-for-api-keys) (Aug 10, 2026): Per-key IP allowlists in the Dashboard, applied to production only (sandbox stays open); enforcement starts September 21, 2026.
- [Stellar network support](https://lumx.io/log/stellar-network-support) (Jul 28, 2026): USDC settles on the Stellar network by passing "blockchain": "STELLAR" on on-ramps and exchange rate requests; on-ramp only for now.
- [Autoconversion rules](https://lumx.io/log/autoconversion-rules) (Jul 14, 2026): A standing rule converts every fiat deposit to USDC or USDT and delivers it on-chain, with no per-transaction API call; available for BRL and MXN accounts at launch.
- [KYC reuse with Sumsub share tokens](https://lumx.io/log/kyc-reuse-with-sumsub-share-tokens) (Jul 13, 2026): Individual customers can be created with a Sumsub share token to reuse an existing verification and skip document collection; individuals only, and it requires a data-sharing agreement.
- [Account provisioning at customer creation](https://lumx.io/log/account-provisioning-at-customer-creation) (May 25, 2026): Pass an accounts array of currency codes when creating a customer to provision one account per currency; accounts become ACTIVE once approved, and GET /accounts reads them.
- [Bank accounts renamed to destinations](https://lumx.io/log/bank-accounts-renamed-to-destinations) (May 25, 2026): The bank accounts resource became destinations across fields, routes, and webhook events (destinationId, destinations.* events); the old route worked until June 19, 2026.
- [TEMPORARY_REJECTION renamed to RFI](https://lumx.io/log/temporary_rejection-renamed-to-rfi) (May 25, 2026): Breaking change: the TEMPORARY_REJECTION verification status is now RFI, with a new customer.rfi webhook event.
- [Wallets only returned for APPROVED customers](https://lumx.io/log/wallets-only-returned-for-approved-customers) (May 25, 2026): Customer responses return the wallets array only once verification is APPROVED; Create a customer no longer returns wallets.
- [Isolated retry for associated party verification](https://lumx.io/log/isolated-retry-for-associated-party-verification) (May 25, 2026): For business customers, a verification retry can target specific associated parties through associatedPartyIds; the others keep their status.
- [Improving customer onboarding](https://lumx.io/log/improving-customer-onboarding) (Apr 8, 2026): Automatic UBO role for sole shareholders, a PROOF_OF_ADDRESS document (issued within 90 days) required to start verification, and terms-of-service acceptance required before verification.
- [Webhooks V2](https://lumx.io/log/webhooks-v2) (Mar 31, 2026): New webhook delivery with a consistent eventId, eventType, and data structure, retries with exponential backoff, and webhook-id, webhook-timestamp, and webhook-signature headers; legacy format delivered until April 30, 2026.
- [MXN is live](https://lumx.io/log/mxn-is-live-transactions-in-mexican-pesos-spei-transfers-and-accounts-with-clabe) (Mar 10, 2026): MXN transactions, on/off ramps, SPEI transfers in Mexico, and MXN virtual accounts with unique CLABE numbers.
- [KYC/KYB API, idempotency, and docs MCP server](https://lumx.io/log/kyc-kyb-api-idempotency-and-mcp-server) (Feb 18, 2026): KYC/KYB orchestration through the API (documents, associated parties with multi-level parentId, start and track verification), an Idempotency-Key header on POST, PUT, and PATCH (keys valid 24 hours), and the docs MCP server at https://docs.lumx.io/mcp.
- [Supporting individual customers and bank account holders](https://lumx.io/log/supporting-individual-customers-and-bank-account-holders) (Feb 8, 2026): INDIVIDUAL customers and natural-person bank account holders, CPF as a PIX key type, and FRIEND, RELATIVE, and EMPLOYEE relationship types.

## AI tools and agents

- **Lumx for AI agents:** https://lumx.io/ai. One page on how a coding agent integrates Lumx: the docs MCP server, the Lumx skill (`npx skills add https://docs.lumx.io`) and the prompt library. The MCP reads the docs and OpenAPI spec only; money moves only when your backend calls the Lumx API with your key. Agents test in sandbox at api-sandbox.lumx.io, where no real money moves.
- **Docs MCP server:** `https://docs.lumx.io/mcp` (Streamable HTTP). Tools: `search_lumx` (semantic search over docs and API reference) and `query_docs_filesystem_lumx` (read docs as files). Setup page with snippets for Claude Code, Cursor, VS Code, and Codex: https://docs.lumx.io/developer/mcp-server
  - Claude Code: `claude mcp add --transport http lumx-docs https://docs.lumx.io/mcp`
- **Build with AI guides:** copy-paste prompts and step-by-step flows to integrate Lumx from AI coding tools. Overview: https://docs.lumx.io/guides/build-with-ai/overview · Claude Code: https://docs.lumx.io/guides/build-with-ai/claude-code · Cursor: https://docs.lumx.io/guides/build-with-ai/cursor · Codex: https://docs.lumx.io/guides/build-with-ai/codex · Lovable: https://docs.lumx.io/guides/build-with-ai/lovable · v0: https://docs.lumx.io/guides/build-with-ai/v0 · Bolt.new: https://docs.lumx.io/guides/build-with-ai/bolt · Replit: https://docs.lumx.io/guides/build-with-ai/replit
- **Machine-readable files:** https://lumx.io/llms.txt (short) · https://lumx.io/llms-full.txt (this file) · https://lumx.io/sitemap.xml

## Prompt library

Lumx publishes copy-paste prompts for coding agents under https://lumx.io/prompts, one page per job. Each prompt tells the agent to read https://docs.lumx.io/llms.txt and the OpenAPI spec (https://lumx-docs-public-prod.s3.us-east-1.amazonaws.com/api-production.yaml) before writing code and to follow them over prior knowledge. Every endpoint and enum a prompt cites is checked against the public spec. The prompts come in four groups: setup and testing, end-to-end integrations, products built on Lumx, and migrations from an existing setup.

- [Lumx sandbox quickstart](https://lumx.io/prompts/sandbox-quickstart): Proves a full deposit-to-stablecoin round trip in sandbox before any product code is written.
- [Connect your agent to the Lumx docs MCP](https://lumx.io/prompts/connect-lumx-docs-mcp): Connects a coding agent to the Lumx docs MCP server so it reads field names instead of guessing them; docs only, no money moves.
- [Debug Lumx webhook delivery](https://lumx.io/prompts/debug-webhooks): Diagnoses webhook events that never arrive or arrive and fail signature verification.
- [Audit an existing Lumx integration](https://lumx.io/prompts/audit-lumx-integration): Audits an integration that already runs, including one inherited from another team.
- [Production readiness checklist](https://lumx.io/prompts/sandbox-to-production-checklist): Checks a working sandbox integration against what changes when the next payment is real money.
- [Set up partner fees and revenue share](https://lumx.io/prompts/setup-partner-fees): Adds partner fees so the platform takes a cut of every transaction it routes through Lumx.
- [Integrate on-ramps from fiat to stablecoin](https://lumx.io/prompts/integrate-onramp): Builds a fiat-to-stablecoin on-ramp: quote, create the transaction, render payment details, settle on webhooks.
- [Integrate off-ramps to local bank rails](https://lumx.io/prompts/integrate-offramp): Pays out from a customer's stablecoin balance to a local bank account.
- [Integrate BRL, MXN, USD and EUR virtual accounts](https://lumx.io/prompts/integrate-virtual-accounts): Collects in local currency through BRL, MXN, USD and EUR accounts issued in the customer's own name.
- [Integrate autoconversion rules](https://lumx.io/prompts/integrate-autoconversion-rules): Converts every deposit that lands in an account automatically, without a call per deposit.
- [Integrate customer onboarding and verification](https://lumx.io/prompts/integrate-customer-onboarding): Onboards businesses and individuals through KYB and KYC up to an approved customer that can move money.
- [Integrate webhooks with signature checks](https://lumx.io/prompts/integrate-webhooks): Builds a webhook endpoint that verifies signatures and survives retries.
- [Integrate Lumx into a Next.js app](https://lumx.io/prompts/integrate-lumx-nextjs): Adds Lumx to a Next.js app with the API key kept server-side and signature checks intact.
- [Build the BRL corridor end to end](https://lumx.io/prompts/integrate-brl-corridor): Builds the Brazil corridor end to end in code: BRL in over PIX, stablecoin held, BRL or foreign currency out.
- [Build global contractor payouts](https://lumx.io/prompts/build-contractor-payouts): Pays contractors in several countries from one funded balance.
- [Build marketplace seller payouts](https://lumx.io/prompts/build-marketplace-payouts): Builds the payout side of a marketplace, with the platform fee taken on every sale.
- [Build a Lumx reconciliation ledger](https://lumx.io/prompts/build-reconciliation-ledger): Builds the ledger that answers whether a payment actually settled, without opening a dashboard.
- [Migrate SWIFT wires to local payout rails](https://lumx.io/prompts/migrate-from-swift-wires): Moves supplier and payroll payments abroad from international wires to local payout rails.
- [Migrate from one PSP per country](https://lumx.io/prompts/migrate-from-one-psp-per-country): Replaces a different payment provider in each country with one API.
- [Migrate manual bank payouts to the Lumx API](https://lumx.io/prompts/migrate-from-spreadsheet-payouts): Replaces payouts run from a spreadsheet and a bank portal with API calls.

## How Lumx compares

Lumx publishes one comparison page per provider under https://lumx.io/compare. Facts about the other provider come from its public site and API documentation, each page states the month it was last verified, and when the other provider does something Lumx does not, the page says so. Most pages position Lumx as the alternative for teams that need named local accounts and live local rails in Latin America, the eurozone and the UK; the Circle and Rain pages describe complementary layers, not competitors.

- [Compare Lumx with other stablecoin providers](https://lumx.io/compare): One page per provider, facts taken from the provider's public site and API docs, each page states the month it was last verified.
- [Lumx vs Avenia](https://lumx.io/compare/lumx-vs-avenia): Lumx is the Avenia alternative for teams whose customers need a standing CLABE or COP account in their own name; Avenia returns per-payment deposit instructions, and no GBP.
- [Lumx vs BlindPay](https://lumx.io/compare/lumx-vs-blindpay): Lumx is the BlindPay alternative for teams that need custody in production and named accounts in BRL, MXN, COP, EUR and GBP; BlindPay issues one, and ships no Bre-B.
- [Lumx vs Bloquo](https://lumx.io/compare/lumx-vs-bloquo): Lumx is the Bloquo alternative for teams that need SPEI, PSE, Bre-B and SEPA live today; Bloquo documents PIX with examples and marks its other rails and named accounts coming soon.
- [Lumx vs Bridge](https://lumx.io/compare/lumx-vs-bridge): Lumx is the Bridge alternative for teams that need a BRL account in the customer's name and USD wires over SWIFT; Bridge answers Brazil with a PIX QR code and no SWIFT.
- [Lumx vs BVNK](https://lumx.io/compare/lumx-vs-bvnk): Lumx is the BVNK alternative for teams paying into Brazil, Mexico or Colombia over PIX, SPEI and Bre-B; BVNK, now a Mastercard subsidiary, ships no Latin American rail.
- [Lumx vs Circle](https://lumx.io/compare/lumx-vs-circle): Circle issues the USDC and runs the network institutions settle it on; Lumx turns that token into a named account and a local payout over PIX, SPEI, Bre-B and SEPA.
- [Lumx vs Conduit](https://lumx.io/compare/lumx-vs-conduit): Lumx is the Conduit alternative for teams that need a named account and a documented rail inside Brazil, Mexico or Colombia; Conduit offers a USD, EUR or GBP account and a wire.
- [Lumx vs Crossmint](https://lumx.io/compare/lumx-vs-crossmint): Lumx is the payments layer for teams that need named BRL, MXN and COP accounts and live rails in Brazil and the UK; Crossmint is wallet infrastructure, with three payout rails still listed for Q4.
- [Lumx vs Due](https://lumx.io/compare/lumx-vs-due): Lumx is the Due alternative for teams whose corridor runs through Brazil on PIX, with named MXN and COP accounts beside it; Due's PIX is suspended and its balances are non-custodial.
- [Lumx vs Rain](https://lumx.io/compare/lumx-vs-rain): Lumx moves and holds money over PIX, SPEI, PSE and SEPA in six currencies; Rain turns that stablecoin balance into a Visa or Mastercard card. Complementary layers, not competitors.
- [Lumx vs Trace Finance](https://lumx.io/compare/lumx-vs-trace-finance): Lumx is the Trace Finance alternative for teams whose flows leave Brazil: SPEI in Mexico, PSE and Bre-B in Colombia, SEPA and Faster Payments in Europe; Trace's API is BRL-only.
- [Lumx vs Transfero](https://lumx.io/compare/lumx-vs-transfero): Lumx is the Transfero alternative for teams that need named accounts in six currencies over SPEI, PSE, Bre-B and SEPA; Transfero remains the reference for BRZ and PIX-native checkout in Brazil.
- [Lumx vs UnblockPay](https://lumx.io/compare/lumx-vs-unblockpay): Lumx is the UnblockPay alternative for teams that need a standing BRL, MXN or COP account in the customer's name from a FinCEN-registered US entity; UnblockPay declares no US registration.
- [Lumx vs Velocity](https://lumx.io/compare/lumx-vs-velocity): Lumx is the Velocity alternative for teams whose stablecoin flows have to end in a named local account and a local rail in Brazil, Mexico or Colombia; Velocity is built to cut prefunding and extend settlement hours for acquirers, issuers and treasuries.

## Frequently asked questions

**What is Lumx?**
Lumx is stablecoin payments infrastructure for businesses that move money between Latin America and the rest of the world: one API to collect, hold, convert, and pay out in BRL, MXN, COP, USD, EUR, and GBP or in USDC and USDT, over local rails such as PIX, SPEI, PSE, Bre-B, ACH, FEDWIRE, SEPA, and Faster Payments, with SWIFT and on-behalf-of payments and collections (POBO and COBO) in USD, EUR, and GBP, plus named virtual accounts, custodial wallets, and KYB/KYC built in. Lumx is custodial: it holds the stablecoins, runs KYC/KYB and monitoring, and operates the payout rails, so the integrator ships a payments product rather than a crypto operation.

**Which currencies and countries does Lumx support?**
Fiat (as of September 2026): BRL, MXN, COP, USD, EUR, GBP. Stablecoins: USDC, USDT on Ethereum, Polygon, Base, Tron, and Stellar (Stellar: USDC on-ramp to BRL only). Rails: PIX (Brazil), SPEI (Mexico), PSE for collection and Bre-B or ACH Colombia for payouts (Colombia), ACH/FEDWIRE (US), SEPA (Europe), Faster Payments (United Kingdom), SWIFT (global). ARS (Argentina, via Transfers 3.0) and EUR via SWIFT are announced for Q4/2026. Lumx supports payments in 104 countries and onboards businesses from 148 Supported countries plus 26 High-Risk countries under Enhanced Due Diligence.

**Is Lumx custodial or non-custodial?**
Custodial. Lumx holds stablecoins in segregated wallets per customer and runs KYC/KYB, Chainalysis monitoring, and payout rails on the integrator's behalf. Integrators never manage private keys, gas, or on-chain operations.

**Is Lumx regulated and safe?**
Lumx US OP LLC is a FinCEN-registered Money Services Business (MSB #31000316459619); regulated money transmission runs through licensed financial-institution partners. In Brazil, Lumx Sociedade Prestadora de Serviços de Ativos Virtuais Ltda acts as a virtual asset service provider and is adapting to the SPSAV regime under BCB Resolution 520/2025 (Article 88 transition regime). Lumx runs KYC/KYB with Enhanced Due Diligence where required, uses Chainalysis for on-chain monitoring, requires purpose codes, and is Travel Rule aligned. Custodial wallets are segregated per customer.

**How fast is settlement?**
PIX, SPEI, Bre-B, and Faster Payments settle instantly or near-instantly, 24/7; FEDWIRE same business day; PSE pay-ins confirm same business day; SEPA instant under €100k (T+1 above); ACH in 1–2 business days; SWIFT in 1–5 business days. Stablecoin moves at on-chain speed between rails.

**How much does Lumx cost / pricing?**
Pricing is usage-based and tiered (see the Pricing section above). Conversion (FX) fees scale by monthly volume tier and are applied on top of the mid-market reference rate; payment rails carry a flat fee per rail; virtual accounts have issuance and monthly maintenance fees; custody is billed on assets under custody plus an active-wallet fee; KYC/KYB verification is a one-time fee per entity, with transaction monitoring included. A standard agreement includes a monthly minimum commitment, with no setup fee, a ramp-up period and quarterly volume re-tiering. Integrators can also set their own partner fees (in basis points) on top. For specific rates, contact sales: https://lumx.io/contact

**Who uses Lumx?**
Fintechs, neobanks, payment service providers, exchanges, marketplaces, and payroll/treasury platforms. Named customers include Nomad, Logcomex, and Conta Simples.

**Can I build a payroll, remittance, marketplace, or treasury product on Lumx?**
Yes. Lumx provides documented use-case flows for global accounts, treasury management, payroll, remittances, and marketplaces, with partner-fee monetization and per-customer KYC/KYB.

**Is it legal to use stablecoins for cross-border payments in Brazil?**
Yes, when handled by a compliant provider. In Brazil, services are provided by Lumx Sociedade Prestadora de Serviços de Ativos Virtuais Ltda, which acts as a virtual asset service provider and is adapting to the SPSAV regime under BCB Resolution 520/2025, currently under the Article 88 transition regime. Lumx US OP LLC is a FinCEN-registered MSB (#31000316459619); it is not a state-licensed money transmitter and does not itself provide regulated money transmission; those activities are conducted exclusively through, and under the licenses of, duly authorized financial-institution partners. See the Legal and regulatory section above.

**Can AI coding tools integrate Lumx?**
Yes. The docs MCP server at https://docs.lumx.io/mcp lets Claude Code, Cursor, VS Code, and Codex search and read the Lumx documentation, and the Build with AI guides provide ready-made prompts for Claude Code, Cursor, Codex, Lovable, v0, Bolt.new, and Replit. Setup: https://docs.lumx.io/developer/mcp-server

**How is Lumx different from other stablecoin payment providers?**
LatAm-native multi-currency depth with native local rails (PIX, SPEI, CLABE, IBAN, routing numbers), a custodial model that removes key management from the integrator, global onboarding and SWIFT delivery, compliance built in (FinCEN MSB, KYC/KYB, Chainalysis), and an API-first model with idempotency, webhooks, locked rates, autoconversion, and partner-fee monetization.

## Glossary (selected)

- **Stablecoin:** A cryptocurrency pegged to a stable asset (usually USD), e.g. USDC and USDT, used here as a settlement layer.
- **On-ramp:** Converting local fiat into stablecoins.
- **Off-ramp:** Converting stablecoins into local fiat.
- **Transfer:** Moving stablecoin between wallets.
- **Custodial wallet:** A stablecoin wallet whose private keys are held by the provider (Lumx) on behalf of the customer, in a segregated structure.
- **PIX:** Brazil's instant payment system.
- **TED:** Transferência Eletrônica Disponível, Brazil's same-day interbank transfer.
- **Boleto:** Brazilian bank payment slip used for pay-ins, settled in 1–2 business days.
- **SPEI:** Mexico's interbank electronic payment system.
- **CLABE:** Mexican standardized bank account number.
- **PSE:** Pagos Seguros en Línea, Colombia's online bank-transfer network used for pay-ins.
- **Bre-B:** Colombia's instant payment system, operated by the Banco de la República.
- **Faster Payments:** The United Kingdom's near-instant, 24/7 interbank payment system for GBP.
- **Named Virtual Account:** A local-currency account in the customer's own name that auto-converts deposits to stablecoins.
- **POBO:** Payment On Behalf Of, a payout Lumx sends in the name of the integrator's customer, so the beneficiary sees the customer as the sender. Available in USD, EUR, and GBP over ACH, FEDWIRE, SEPA, Faster Payments, and SWIFT.
- **COBO:** Collection On Behalf Of, an incoming payment received in the name of the integrator's customer into a named virtual account, then reconciled to that customer. Available in USD, EUR, and GBP over ACH, FEDWIRE, SEPA, Faster Payments, and SWIFT.
- **Destination:** A registered payout endpoint (bank account or stablecoin address).
- **Autoconversion rule:** A per-account rule that converts incoming deposits into stablecoin automatically.
- **Partner fee:** A fee (in basis points) an integrator adds to transactions to monetize.
- **KYB:** Know Your Business, the verification of a company and its associated parties before onboarding.
- **RFI:** Request for Information, a verification state where Lumx asks the customer for additional documents.
- **SPSAV:** Sociedade Prestadora de Serviços de Ativos Virtuais, the Central Bank of Brazil's authorization category for virtual asset service providers under Resolution 520/2025. SPSAV is the Brazilian legal category for what the market calls a VASP (virtual asset service provider); Lumx's comparison pages use the VASP term, this file uses SPSAV, and both refer to the same authorization under Resolution 520/2025 and its Article 88 transition regime.

## Key resources

- About: https://lumx.io/about
- Coverage: https://lumx.io/coverage
- Supported countries: https://lumx.io/legal/legal-and-privacy/supported-countries
- API docs: https://docs.lumx.io
- Docs MCP server: https://docs.lumx.io/mcp
- Blog: https://lumx.io/blog (categories: Learn, Stable News, Stable Talks, Announcements, Guides, Explainers, Comparisons, Regulation)
- Changelog: https://lumx.io/changelog
- Cases: https://lumx.io/cases
- Compare pages: https://lumx.io/compare
- Corridor pages: https://lumx.io/convert/usdc-to-brl and 19 sibling pages listed under Products
- Contact: https://lumx.io/contact · compliance@lumx.io

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*This file is maintained for AI ingestion. Last updated: 2026-11-02. Source of truth: https://docs.lumx.io*