# Lumx

> 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. Fintechs, neobanks, payment providers, marketplaces, payroll, and treasury platforms embed Lumx to serve their own users across borders without opening a local entity in each country. Brazil, Mexico, Colombia, the United States, the Eurozone, and the United Kingdom are live with local rails; SWIFT reaches the rest. Founded in 2022 in Brazil, backed by BTG Pactual and Bitso, FinCEN-registered MSB. More than $2B in annualized payment volume (as of September 2026); PIX and SPEI settle in under 60 seconds.

**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.

## Products
- [Global Payments](https://lumx.io/product/global-payments): Cross-border payment API with instant settlement via PIX (Brazil), SPEI (Mexico), PSE and Bre-B (Colombia), ACH/FEDWIRE (US), SEPA (Europe), Faster Payments (UK), and SWIFT (global). Payouts and collections on behalf of your customers (POBO and COBO) in USD, EUR, and GBP over ACH, FEDWIRE, SEPA, Faster Payments, and SWIFT. Supports BRL, MXN, COP, USD, EUR, GBP, USDC, and USDT.
- [Named Virtual Accounts](https://lumx.io/product/named-virtual-accounts): Local-currency accounts in the customer's name (PIX keys, CLABEs, Colombian account numbers, US routing numbers, IBANs, UK account numbers and sort codes) across BRL, MXN, COP, USD, EUR, and GBP. Deposits auto-convert to stablecoins.
- [Custodial Wallets](https://lumx.io/product/custodial-wallets): Enterprise stablecoin custody via one API call. Segregated wallets on Ethereum, Polygon, Base, Tron, and Stellar, with Chainalysis on-chain monitoring.

## Coverage
- Fiat currencies and rails (as of September 2026): BRL (PIX), MXN (SPEI), COP (Bre-B and ACH Colombia for payouts, PSE for collection), USD (ACH, FEDWIRE, SWIFT), EUR (SEPA), GBP (Faster Payments).
- Stablecoins: USDC and USDT on Ethereum, Polygon, and Tron; USDC on Base (BRL, USD, MXN routes); USDC on Stellar (BRL on-ramp only). Current pair list per network: https://docs.lumx.io
- Next: ARS via Transfers 3.0 (Argentina) and EUR via SWIFT, announced for Q4/2026 (docs.lumx.io/get-started/coverage, checked 2026-10-27).
- Reach: payments in 104 countries across the Americas, Europe, Africa, MENA, and Asia Pacific ([coverage](https://lumx.io/coverage)). Customer onboarding in 148 countries under standard KYC/KYB and 26 more under Enhanced Due Diligence ([supported countries](https://lumx.io/legal/legal-and-privacy/supported-countries)). A supported country means Lumx onboards the customer; it does not guarantee a local payment rail there.

## Use cases
- Global accounts: provision local-currency accounts so each customer can be paid worldwide.
- Treasury management: hold working capital in stablecoin and settle to local fiat on demand.
- Payroll: fund employers in stablecoin and pay employees and contractors in their local currency.
- Remittances: fund senders in local currency and pay recipients on local rails.
- Marketplaces: take a platform fee on every sale and settle sellers in their local currency.

## Case studies
- [Customer stories](https://lumx.io/cases): How platforms built on Lumx went live, as each story publishes it.
- [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.

## Compare
- [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.
- [Best stablecoin APIs in 2026, and the criteria that decide](https://lumx.io/blog-posts/best-stablecoin-apis-2026): Thirteen stablecoin APIs judged on six written criteria: live rails, named accounts, custody, licences, failures and pricing. Written by Lumx, one of them.
- [Best stablecoin off-ramp APIs in 2026, compared by rail](https://lumx.io/blog-posts/best-stablecoin-off-ramp-apis-2026): Eleven stablecoin off-ramp APIs compared on live payout rails, speed, limits, recipients and failures. Written by Lumx, one of the eleven, criteria first.
- [Circle alternatives for stablecoin payments, by the job you need](https://lumx.io/blog-posts/circle-alternatives-stablecoin-payments): Circle alternatives depend on which Circle product you mean: the token, Circle Mint, CPN or Wallets. A job-by-job guide, written by Lumx, a customer of USDC.
- [Stablecoin API pricing compared: what each provider publishes](https://lumx.io/blog-posts/stablecoin-api-pricing-compared): What stablecoin API providers publish about pricing in 2026: plans, account fees, FX spreads, rail fees and quotes. Written by Lumx, from public docs.
- [Best stablecoin APIs for LATAM in 2026](https://lumx.io/blog-posts/best-stablecoin-apis-latam-2026): Thirteen stablecoin APIs that serve Latin America, sorted by what each one is actually for, with the rails and account types that decide the choice in 2026.
- [Best stablecoin payroll providers for LATAM in 2026](https://lumx.io/blog-posts/best-stablecoin-payroll-providers-latam-2026): Stablecoin payroll providers for Latin America in 2026, split into payroll apps an employer runs and payout infrastructure a payroll product builds on.
- [Best stablecoin payment providers in Brazil for fintechs (2026)](https://lumx.io/blog-posts/best-stablecoin-payment-providers-brazil-2026): Which stablecoin payment providers run Pix and BRL accounts in production, how the Brazilian licence question sorts them, and what a fintech should check first.
- [Best virtual account providers for Latin America (2026)](https://lumx.io/blog-posts/best-virtual-account-providers-latin-america-2026): Eleven virtual account providers compared for Brazil, Mexico and Colombia on currencies, rails and the name payers see, with a pick for each use case.
- [Best stablecoin infrastructure for Latin American neobanks (2026)](https://lumx.io/blog-posts/best-stablecoin-infrastructure-latin-american-neobanks-2026): Twelve stablecoin providers compared for a Latin American neobank: local accounts, payouts in Brazil, Mexico and Colombia, custody, compliance, cards.
- [Best stablecoin payout providers for Asia-Pacific (2026)](https://lumx.io/blog-posts/best-stablecoin-payout-providers-asia-pacific-2026): Stablecoin payout providers for Asia-Pacific compared by what the recipient receives, country by country, with the source and date of every claim.
- [Latin America payment rails compared: Pix, SPEI, PSE and Bre-B](https://lumx.io/blog-posts/latin-america-payout-rails-compared): Pix, SPEI, PSE and Bre-B side by side: who starts the payment, what a payout needs, settlement, recipient fees and limits, each dated to a primary source.
- [Best On-Ramp and Off-Ramp APIs in 2026: Widget vs Business API](https://lumx.io/blog-posts/best-onramp-offramp-apis-2026): Best on-ramp and off-ramp APIs in 2026: consumer widgets, aggregators and business APIs compared on rate lock, bank payout and who can be the buyer.
- [Bridge alternatives for stablecoin payments, by use case](https://lumx.io/blog-posts/bridge-alternatives-stablecoin-payments-2026): Bridge alternatives for stablecoin payments depend on which Bridge product you replace: orchestration, wallets, issuance or cards. Who fits which job, in 2026.
- [BVNK alternatives for cross-border payments in 2026](https://lumx.io/blog-posts/bvnk-alternatives-cross-border-payments-2026): Which BVNK alternative fits which cross-border job: Latin America payouts, USD, EUR and GBP accounts, custody and cards. Written by Lumx, one of the options.

## Developers
- [API Documentation](https://docs.lumx.io): Guides, API reference, and OpenAPI specs.
- [Coverage](https://lumx.io/coverage): Supported currencies, rails, blockchains, and corridors.
- [Changelog](https://lumx.io/changelog): Latest API releases.
- Production base URL: `https://api.lumx.io` · Sandbox: `https://api-sandbox.lumx.io` · Dashboard: `https://dashboard.lumx.io`
- Primitives: customers, accounts, stablecoin wallets, destinations, exchange rates (floating and locked), partner fees, autoconversion rules, transactions (on-ramp, off-ramp, transfer).

## Product updates
- [Changelog](https://lumx.io/changelog): Latest API releases. Entries below are the individual product releases, newest first; endpoint detail is at https://docs.lumx.io/changelog.
- [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): 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 only reads docs; money moves only when your backend calls the API with your key. Agents test in sandbox at api-sandbox.lumx.io.
- Docs MCP server: `https://docs.lumx.io/mcp` (tools: `search_lumx`, `query_docs_filesystem_lumx`). Setup for Claude Code, Cursor, VS Code, and Codex: https://docs.lumx.io/developer/mcp-server
- Build with AI guides (copy-paste prompts to integrate Lumx): [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)
- [Full reference for LLMs](https://lumx.io/llms-full.txt)

## Prompts
- [Lumx prompt library](https://lumx.io/prompts): Copy-paste prompts that give a coding agent (Claude Code, Cursor, Codex) the exact Lumx endpoints, enums and steps for one job. Every prompt points the agent at https://docs.lumx.io/llms.txt and the OpenAPI spec as ground truth, and every endpoint it cites is checked against the public spec.
- [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.

## Compliance
- United States: Lumx US OP LLC is a FinCEN-registered Money Services Business (MSB #31000316459619). Not a state-licensed money transmitter; regulated money transmission is conducted through licensed financial-institution partners.
- 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 Central Bank of Brazil Resolution 520/2025, operating under the Article 88 transition regime.
- KYC/KYB verification, with Enhanced Due Diligence and RFI flows. Chainalysis integration for continuous on-chain transaction monitoring.
- Purpose codes required on all transactions; Travel Rule aligned.
- [Restricted list](https://lumx.io/restricted-list) · [Activities list](https://lumx.io/activities-list) · Compliance contact: compliance@lumx.io

## Company
- [About](https://lumx.io/about): Founded 2022 in Rio de Janeiro, Brazil. Raised $3.4M from BTG Pactual, Bitso, Nomad, Honey Island, CMT Digital, and Indicator Capital. Member of the Circle Alliance Program. Customers include Nomad, Logcomex, and Conta Simples.
- [Contact](https://lumx.io/contact) · [LinkedIn](https://www.linkedin.com/company/hellolumx) · [X](https://x.com/lumxhq) · [Crunchbase](https://www.crunchbase.com/organization/lumx)

## Resources
- [Blog](https://lumx.io/blog): 300+ articles by Caio Barbosa (Founder & Co-CEO). Categories: Learn, Stable News, Stable Talks, Announcements, Guides, Explainers, Comparisons, Regulation.
- [What is a stablecoin? Definition, types, how they work](https://lumx.io/blog-posts/what-is-a-stablecoin)
- [Stablecoins from zero to pro: the definitive guide](https://lumx.io/blog-posts/stablecoins-from-zero-to-pro-the-definitive-guide-to-navigating-the-new-era-of-global-payments)
- [Cross-border payments in Latin America: stablecoin vs. traditional](https://lumx.io/blog-posts/cross-border-payments-in-latin-america-stablecoin-vs-traditional)
- [Regulation and compliance in stablecoin infrastructure](https://lumx.io/blog-posts/regulation-and-compliance-in-infrastructure-for-stablecoins)

## Optional

> Secondary links. Safe to skip if context is limited.

- Corridors, stablecoin to fiat: [USDC to BRL](https://lumx.io/convert/usdc-to-brl) · [USDC to MXN](https://lumx.io/convert/usdc-to-mxn) · [USDC to USD](https://lumx.io/convert/usdc-to-usd) · [USDC to EUR](https://lumx.io/convert/usdc-to-eur) · [USDT to BRL](https://lumx.io/convert/usdt-to-brl) · [USDT to MXN](https://lumx.io/convert/usdt-to-mxn) · [USDT to USD](https://lumx.io/convert/usdt-to-usd) · [USDT to EUR](https://lumx.io/convert/usdt-to-eur)
- Corridors, fiat to stablecoin: [BRL to USDC](https://lumx.io/convert/brl-to-usdc) · [MXN to USDC](https://lumx.io/convert/mxn-to-usdc) · [USD to USDC](https://lumx.io/convert/usd-to-usdc) · [EUR to USDC](https://lumx.io/convert/eur-to-usdc) · [BRL to USDT](https://lumx.io/convert/brl-to-usdt) · [MXN to USDT](https://lumx.io/convert/mxn-to-usdt) · [USD to USDT](https://lumx.io/convert/usd-to-usdt) · [EUR to USDT](https://lumx.io/convert/eur-to-usdt)
- Corridors, GBP and COP: [USDC to GBP](https://lumx.io/convert/usdc-to-gbp) · [USDT to GBP](https://lumx.io/convert/usdt-to-gbp) · [USDC to COP](https://lumx.io/convert/usdc-to-cop) · [USDT to COP](https://lumx.io/convert/usdt-to-cop)
- [Careers](https://lumx.io/careers)