# Lumx

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

Lumx lets fintechs, neobanks, payment providers, marketplaces, payroll, and treasury platforms move money across borders without standing up local entities in every country. LatAm-native (Brazil and Mexico live; Colombia, Argentina, UK, and EUR-SWIFT expanding in Q3/2026), multi-currency in production (BRL, MXN, USD, EUR), and compliance-first (FinCEN-registered MSB, KYC/KYB, Chainalysis monitoring). Over $300M in payment volume processed; instant local rails (PIX, 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: 2026-06-04. 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), ACH/FEDWIRE (US), SEPA (Europe), and SWIFT (global). Supports BRL, MXN, USD, EUR, USDC, and USDT.
- [Named Virtual Accounts](https://lumx.io/product/named-virtual-accounts): Local-currency accounts (routing numbers, IBANs, CLABEs) in the customer's name across BRL, MXN, USD, and EUR. 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, and Tron, with Chainalysis on-chain monitoring.

## 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.

## 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, transactions (on-ramp, off-ramp, transfer).
- Docs MCP server for AI tools: `https://docs.lumx.io/mcp`

## Compliance
- FinCEN-registered Money Services Business (MSB #31000316459619).
- 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)

## Resources
- [Stablecoin Glossary](https://lumx.io/stablecoin-glossary): Definitions of key stablecoin and cross-border payment terms.
- [Blog](https://lumx.io/blog): Stablecoin infrastructure, regulation, and LatAm payments analysis.
- [What are stablecoins?](https://lumx.io/blog-posts/what-are-stablecoins)
- [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.

- Convert (rates and how-to): [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) · [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)
- [Careers](https://lumx.io/careers)