The operating system for

stablecoin payments

Payments orchestration, multi-currency accounts, custodial wallets, and automated compliance. Everything you need to move money globally, unified in one API.

Get started

Custodial Wallets

Enterprise-grade custodial wallets with user fund segregation and integrated compliance.

USDT

USDT WALLET

$144,230.00

304 31

USDC

USDC WALLET

$144,230.00

304 31

$144,230.00

Total Balance

0xf1d3

3253

0xh5p8

0510

Named Virtual Accounts

Multi-currency accounts with local banking details for global collections and payouts.

ACH

9593

40,630.00

USD

Routing number

026009593

Account number

123456789012

Account Holder

Lumx US OP

8 The Green, #21425

Dover, WY 19901

Bank details

Bank of America, N.A.

222 Broadway, New York

NY 10038, USA

USD VIRTUAL ACCOUNT

Global Payments

Accept payments in local currency and send payments globally with low fees.

Total Balance: $144,230.00 USD

From:

USDC

0187 4

400.00

USDC

$40,630.00

Max.

Receive:

BRL

PIX

001.545.678-00

2,205.46

BRL

2,190.83 BRL

After fees

The operating system for stablecoin payments

Payments orchestration, multi-currency accounts, custodial wallets, and automated compliance. Everything you need to move money globally, unified in one API.

Payments orchestration, multi-currency accounts, custodial wallets, and automated compliance. Everything you need to move money globally, unified in one API.

Get started

Get started

Get started

Global Payments

Turn local payments into global liquidity with stablecoins, no local entity needed.

Total Balance: $144,230.00 USD

From:

USDC

0187 4

400.00

USDC

$40,630.00

Max.

Receive:

BRL

PIX

001.545.678-00

2,205.46

BRL

2,190.83 BRL

After fees

Named Virtual Accounts

Multi-currency virtual accounts in stablecoins to send and receive payments.

ACH

9593

40,630.00

USD

Routing number

026009593

Account number

123456789012

Account Holder

Lumx US OP

8 The Green, #21425

Dover, WY 19901

Bank details

Bank of America, N.A.

222 Broadway, New York

NY 10038, USA

USD VIRTUAL ACCOUNT

Custodial Wallets

Issue stablecoin cards for customers worldwide and earn revenue on every swipe.

USDT

USDT WALLET

$144,230.00

304 31

USDC

USDC WALLET

$144,230.00

304 31

$144,230.00

Total Balance

0xf1d3

3253

0xh5p8

0510

Trusted by top companies

MODERN PAYMENT INFRASTRUCTURE

Why global payments needed an upgrade

Correspondent banking adds delays, costs, and opacity to global payments. Operating across markets requires complex local setups. Compliance is manual and time-consuming. There's a better way.

Get started

Get started

Get started

Expanded reach, reduced complexity

Use multi-currency virtual accounts and stablecoin settlement to operate in new markets with reduced overhead.

Unified infrastructure advantage

Single platform for conversion, routing, custody, and compliance. Replaces fragmented systems with integrated operations.

From:

USD

8,400.00

USD

$40,630.00

Max.

9593

Receive:

EUR

7,151.68

EUR

7,115.92 EUR

After fees

0130 00

Transfer Now

Powered by

From:

USD

8,400.00

USD

$40,630.00

Max.

9593

Receive:

EUR

7,151.68

EUR

7,115.92 EUR

After fees

0130 00

Transfer Now

Powered by

From:

USD

8,400.00

USD

$40,630.00

Max.

9593

Receive:

EUR

7,151.68

EUR

7,115.92 EUR

After fees

0130 00

Transfer Now

Powered by

Traditional Market

Acme Corp.

1-5 days

Higher fees

With Us

Lumx S.A

~30min

Lower fees

COST & TIME ADVANTAGE

Cut settlement times from days to minutes while paying a fraction of traditional banking fees.

TRANSACTION DETAILS

#02334567

You sent

40,630.00

USD

You receive

40,630.00

USDC

Dec 16 2025, 03:09 AM

24/7 AVAILABILITY

Always‑on, reliable service, available 24/7, not just bank hours.

MADE FOR DEVELOPERS

Build global payment flows with one API

RESTful API for currency conversion, account management, custody, and compliance. Integrate stablecoin payments using familiar banking primitives—no crypto expertise needed.

Read Docs

Read Docs

Read Docs

createCustomer.ts

readCustomer.ts

createTransaction.ts

readTransaction.ts

Create a customer

A workflow step executes a query or action within a system. Steps can receive inputs from previous steps and return data for use in subsequent steps. You can resolve services in your steps, enabling you to build business logic involving Lumx's core payment modules, third-party systems, or custom systems.

Approve customer

A workflow step executes a query or action within a system. Steps can receive inputs from previous steps and return data for use in subsequent steps. You can resolve services in your steps, enabling you to build business logic involving Lumx's core payment modules, third-party systems, or custom systems.

Create transaction

A workflow step executes a query or action within a system. Steps can receive inputs from previous steps and return data for use in subsequent steps. You can resolve services in your steps, enabling you to build business logic involving Lumx's core payment modules, third-party systems, or custom systems.

Read transaction

A workflow step executes a query or action within a system. Steps can receive inputs from previous steps and return data for use in subsequent steps. You can resolve services in your steps, enabling you to build business logic involving Lumx's core payment modules, third-party systems, or custom systems.

POST

https://api.lumx.io/customers

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{
"id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
"type": "BUSINESS",
"legalName": "Lumx S.A",
"taxId": "42.887.120/0001-00",
"incorporationDate": "2020-01-01",
"country": "BRA",
"email": "hello@lumx.io",
"walletAddress": "0x1234567890123456789012345678901234567890",
"blockExplorerUrl": "https://amoy.polygonscan.com/address/0x123456789012
3456789012345678901234567890",
"verification": {
"status": "NOT_STARTED",
"level": "STANDARD",
"link": "https://in.sumsub.com/websdk/p/sbx_aA00bB11cC33dD44"
},
"transactionLimits": {
"single": "1000.00",
"daily": "10000.00",
"monthly": "100000.00"
},
"createdAt": "2021-01-01T00:00:00Z",
"updatedAt": "2021-01-01T00:00:00Z"
}

Create a customer

A workflow step executes a query or action within a system. Steps can receive inputs from previous steps and return data for use in subsequent steps. You can resolve services in your steps, enabling you to build business logic involving Lumx's core payment modules, third-party systems, or custom systems.

Approve customer

A workflow step executes a query or action within a system. Steps can receive inputs from previous steps and return data for use in subsequent steps. You can resolve services in your steps, enabling you to build business logic involving Lumx's core payment modules, third-party systems, or custom systems.

Create transaction

A workflow step executes a query or action within a system. Steps can receive inputs from previous steps and return data for use in subsequent steps. You can resolve services in your steps, enabling you to build business logic involving Lumx's core payment modules, third-party systems, or custom systems.

Read transaction

A workflow step executes a query or action within a system. Steps can receive inputs from previous steps and return data for use in subsequent steps. You can resolve services in your steps, enabling you to build business logic involving Lumx's core payment modules, third-party systems, or custom systems.

POST

https://api.lumx.io/customers

{

"id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",

"type": "BUSINESS",

"legalName": "Lumx S.A",

"taxId": "42.887.120/0001-00",

"incorporationDate": "2020-01-01",

"country": "BRA",

"email": "hello@lumx.io",

"walletAddress": "0x1234567890123456789012345678901234567890",

"blockExplorerUrl": "https://amoy.polygonscan.com/address/0x1234567890123456789012345678901234567890",

"verification": {

"status": "NOT_STARTED",

"level": "STANDARD",

"link": "https://in.sumsub.com/websdk/p/sbx_aA00bB11cC33dD44"

},

"transactionLimits": {

"single": "1000.00",

"daily": "10000.00",

"monthly": "100000.00"

},

"createdAt": "2021-01-01T00:00:00Z",

"updatedAt": "2021-01-01T00:00:00Z"

}

Create a customer

A workflow step executes a query or action within a system. Steps can receive inputs from previous steps and return data for use in subsequent steps. You can resolve services in your steps, enabling you to build business logic involving Lumx's core payment modules, third-party systems, or custom systems.

Approve customer

A workflow step executes a query or action within a system. Steps can receive inputs from previous steps and return data for use in subsequent steps. You can resolve services in your steps, enabling you to build business logic involving Lumx's core payment modules, third-party systems, or custom systems.

Create transaction

A workflow step executes a query or action within a system. Steps can receive inputs from previous steps and return data for use in subsequent steps. You can resolve services in your steps, enabling you to build business logic involving Lumx's core payment modules, third-party systems, or custom systems.

Read transaction

A workflow step executes a query or action within a system. Steps can receive inputs from previous steps and return data for use in subsequent steps. You can resolve services in your steps, enabling you to build business logic involving Lumx's core payment modules, third-party systems, or custom systems.

POST

https://api.lumx.io/customers

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{
"id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
"type": "BUSINESS",
"legalName": "Lumx S.A",
"taxId": "42.887.120/0001-00",
"incorporationDate": "2020-01-01",
"country": "BRA",
"email": "hello@lumx.io",
"walletAddress": "0x1234567890123456789012345678901234567890",
"blockExplorerUrl": "https://amoy.polygonscan.com/address/0x123456789012
3456789012345678901234567890",
"verification": {
"status": "NOT_STARTED",
"level": "STANDARD",
"link": "https://in.sumsub.com/websdk/p/sbx_aA00bB11cC33dD44"
},
"transactionLimits": {
"single": "1000.00",
"daily": "10000.00",
"monthly": "100000.00"
},
"createdAt": "2021-01-01T00:00:00Z",
"updatedAt": "2021-01-01T00:00:00Z"
}

LUMX INFRASTRUCUTRE

The foundation that powers global payments

Your Business

Your application sits on top. Lumx handles everything below: liquidity, rails, custody, compliance—so you can focus on your customers.

LUMX

Modern rails for global pay-ins, payouts, wallets, and FX, helping LATAM businesses move money faster, cheaper, and with compliance built in.

Institutional Liquidity

Access deep, institutional‑grade liquidity in major stablecoins and fiat currencies to fund and settle global flows.

Local Payment Rails

Connect to local payment methods and instant transfer networks across LATAM through a single integration.

Banking and Wallet Infrastructure

Open and manage multi‑currency business accounts and wallets without setting up entities or bank relationships in each country.

Regulatory Compliance

Operate with KYC, AML, and transaction monitoring built in, reducing regulatory risk and audit overhead for your team.

Isometric Disabled Lumx Module
Isometric Disabled Lumx Module
Isometric Disabled Lumx Module
Isometric Disabled Lumx Module
Isometric Disabled Lumx Module
Isometric Lumx Module
Isometric Purple Active Lumx Module

Your Business

Your application sits on top. Lumx handles everything below: liquidity, rails, custody, compliance—so you can focus on your customers.

LUMX

Modern rails for global pay-ins, payouts, wallets, and FX, helping LATAM businesses move money faster, cheaper, and with compliance built in.

Institutional Liquidity

Access deep, institutional‑grade liquidity in major stablecoins and fiat currencies to fund and settle global flows.

Local Payment Rails

Connect to local payment methods and instant transfer networks across LATAM through a single integration.

Banking and Wallet Infrastructure

Open and manage multi‑currency business accounts and wallets without setting up entities or bank relationships in each country.

Regulatory Compliance

Operate with KYC, AML, and transaction monitoring built in, reducing regulatory risk and audit overhead for your team.

Isometric Disabled Lumx Module
Isometric Disabled Lumx Module
Isometric Disabled Lumx Module
Isometric Disabled Lumx Module
Isometric Disabled Lumx Module
Isometric Lumx Module
Isometric Purple Active Lumx Module

Your Business

Your application sits on top. Lumx handles everything below: liquidity, rails, custody, compliance—so you can focus on your customers.

LUMX

Modern rails for global pay-ins, payouts, wallets, and FX, helping LATAM businesses move money faster, cheaper, and with compliance built in.

Institutional Liquidity

Access deep, institutional‑grade liquidity in major stablecoins and fiat currencies to fund and settle global flows.

Local Payment Rails

Connect to local payment methods and instant transfer networks across LATAM through a single integration.

Banking and Wallet Infrastructure

Open and manage multi‑currency business accounts and wallets without setting up entities or bank relationships in each country.

Regulatory Compliance

Operate with KYC, AML, and transaction monitoring built in, reducing regulatory risk and audit overhead for your team.

Isometric Disabled Lumx Module
Isometric Disabled Lumx Module
Isometric Disabled Lumx Module
Isometric Disabled Lumx Module
Isometric Disabled Lumx Module
Isometric Lumx Module
Isometric Purple Active Lumx Module

Global Payments

Collect and pay in any currency

Collect locally, settle globally

Accept payments in local currencies through multiple payment methods. Automatically convert to stablecoins for instant global settlements or hold in your preferred currency.

Faster payouts

Send payouts in minutes to any country through stablecoin rails or local currency conversion. 24/7 settlement without banking hours or correspondent delays.

Complete transaction visibility

Track every payment in real-time from initiation to settlement. Full transparency into fees, exchange rates, and routing.

Collect locally, settle globally

Accept payments in local currencies through multiple payment methods. Automatically convert to stablecoins for instant global settlements or hold in your preferred currency.

Faster payouts

Send payouts in minutes to any country through stablecoin rails or local currency conversion. 24/7 settlement without banking hours or correspondent delays.

Complete transaction visibility

Track every payment in real-time from initiation to settlement. Full transparency into fees, exchange rates, and routing.

Collect locally, settle globally

Accept payments in local currencies through multiple payment methods. Automatically convert to stablecoins for instant global settlements or hold in your preferred currency.

Faster payouts

Send payouts in minutes to any country through stablecoin rails or local currency conversion. 24/7 settlement without banking hours or correspondent delays.

Complete transaction visibility

Track every payment in real-time from initiation to settlement. Full transparency into fees, exchange rates, and routing.

Schedule a demo

Schedule a demo

Schedule a demo

Go to dashboard

Go to dashboard

Go to dashboard

Total Balance: $144,230.00 USD

From:

USDC

0187 4

1,800.00

USDC

$40,630.00

Max.

Receive:

BRL

PIX

001.545.678-00

10,157.84

BRL

10,021.46 BRL

After fees

Named Virtual Accounts

Multi-currency accounts for global businesses

Dedicated account details

Issue virtual accounts in USD, EUR, MXN, and other currencies with real IBANs and routing numbers. Create named accounts for your business or your customers, each with unique bank details.

Branded for your customers

Issue accounts with your customer's name as holder—for both receiving payments and sending payouts. Dedicated banking details enable seamless two-way flows with instant reconciliation.

Unified management

Manage multi-currency operations in one place. Create accounts on demand, convert between currencies instantly, and track all transactions from a single interface.

Dedicated account details

Issue virtual accounts in USD, EUR, MXN, and other currencies with real IBANs and routing numbers. Create named accounts for your business or your customers, each with unique bank details.

Branded for your customers

Issue accounts with your customer's name as holder—for both receiving payments and sending payouts. Dedicated banking details enable seamless two-way flows with instant reconciliation.

Unified management

Manage multi-currency operations in one place. Create accounts on demand, convert between currencies instantly, and track all transactions from a single interface.

Dedicated account details

Issue virtual accounts in USD, EUR, MXN, and other currencies with real IBANs and routing numbers. Create named accounts for your business or your customers, each with unique bank details.

Branded for your customers

Issue accounts with your customer's name as holder—for both receiving payments and sending payouts. Dedicated banking details enable seamless two-way flows with instant reconciliation.

Unified management

Manage multi-currency operations in one place. Create accounts on demand, convert between currencies instantly, and track all transactions from a single interface.

Schedule a demo

Schedule a demo

Schedule a demo

Go to dashboard

Go to dashboard

Go to dashboard

SEPA

0130 00

40,630.00

USD

IBAN

DE89 3704 0044 0532 0130 00

BIC/SWIFT Code

COBADEFFXXX

Account Holder

Lumx US OP

8 The Green, #21425

Dover, WY 19901

Bank details

Commerzbank AG

Kaiserplatz, 60311

Frankfurt am Main, Germany

EURO VIRTUAL ACCOUNT

ACH

9593

40,630.00

USD

Routing number

026009593

Account number

123456789012

Account Holder

Lumx US OP

8 The Green, #21425

Dover, WY 19901

Bank details

Bank of America, N.A.

222 Broadway, New York

NY 10038, USA

USD VIRTUAL ACCOUNT

Custodial Wallets

Hold stablecoins securely at any scale

Segregated custody infrastructure

Manage stablecoin funds on behalf of customers without the overhead. Each customer gets dedicated wallets with complete fund segregation and full regulatory compliance.

One view for all balances

Hold stablecoins regardless of which blockchain they're on. Single API for managing wallets across all networks with unified balance views.

Unified with payments and accounts

Native integration with Global Payments and Named Accounts. Manage wallets, convert currencies, and route payments through a unified infrastructure.

Segregated custody infrastructure

Manage stablecoin funds on behalf of customers without the overhead. Each customer gets dedicated wallets with complete fund segregation and full regulatory compliance.

One view for all balances

Hold stablecoins regardless of which blockchain they're on. Single API for managing wallets across all networks with unified balance views.

Unified with payments and accounts

Native integration with Global Payments and Named Accounts. Manage wallets, convert currencies, and route payments through a unified infrastructure.

Segregated custody infrastructure

Manage stablecoin funds on behalf of customers without the overhead. Each customer gets dedicated wallets with complete fund segregation and full regulatory compliance.

One view for all balances

Hold stablecoins regardless of which blockchain they're on. Single API for managing wallets across all networks with unified balance views.

Unified with payments and accounts

Native integration with Global Payments and Named Accounts. Manage wallets, convert currencies, and route payments through a unified infrastructure.

Schedule a demo

Schedule a demo

Schedule a demo

Go to dashboard

Go to dashboard

Go to dashboard

USDT

USDT WALLET

$144,230.00

304 31

USDC

USDC WALLET

$40,630.00

304 31

Total Balance

$144,230.00

0xf1d3

3253

0xh5p8

0510

GET STARTED

GET STARTED

GET STARTED

Ready to start your Lumx journey?

Ready to start your Lumx journey?

Ready to start your Lumx journey?

Schedule a demo

Schedule a demo

Schedule a demo

Go to dashboard

Go to dashboard

Go to dashboard

COMPLIANCE BY DESIGN

Compliance infrastructure that scales with you

Our infrastructure is built in alignment with leading financial institutions and global regulatory frameworks

Processing KYB

Acme Corp

Approved

BUSINESS

ID

d01b

Tax ID

42.887.120/0001-00

Named Accounts

Enabled

Payments

Enabled

KYC checks

Completed

Sanctions & PEPs screened

Completed

Transactions monitored 24/7

Waiting

Suspicious alerts auto‑reviewed

Waiting

MULTI-JURISDICTION COMPLIANCE

KYC/KYB verification, sanctions screening, PEPs checks, and transaction monitoring automated on every operation. Real-time compliance without manual workflows.

Beneficiary

KYC

Updated at

Status

John

Link

Dec. 17, 2025

Not Started

Harry

Link

Dec. 15, 2025

Under Verification

Fred

Link

Dec. 16, 2025

Temp. Rejection

Jane

Link

Dec. 16, 2025

Approved

Tom

Link

Dec. 15, 2025

Approved

CUSTOMER ONBOARDING

Automated identity verification and business onboarding, built into the platform for compliant growth

IN RFB 1.888/2019

IN RFB 2.291/2025

ERP Integration File

Monthly Financial Report

Download all

REPORTS & EXPORTS

Automated generation of IN 1.888, DeCripto, and other regulatory filings. Export transaction data and tax reports on demand, audit-ready at all times.

Transaction Risk Score

Low

Status

Approved

Date

Dec. 15, 2025

Transaction ID

000191818882

TRANSACTION SCREENING

From initiation to settlement, real-time tracking with full visibility into status, fees, and routing

Empowering Borderless Growth

Use Cases

Built for real-world usage on a single global stack

B2B Payments

B2B Payments

Imports and Exports

Imports and Exports

Treasury Management

Treasury Management

Settlements for Global Merchants

Settlements for Global Merchants

B2B Payments

Global transfers made efficient with stablecoins.

Settle payments instantly with lower costs for global transactions

Remove intermediaries and streamline real-time value exchange

Mitigate currency volatility and avoid settlement delays

Integrate easily into existing infrastructure for global scalability

Imports and Exports

Payments and treasury solutions for global trade.

Instantly pay suppliers in multiple countries across LATAM, US, and Asia

Access multi-currency accounts, FX, and treasury for businesses of all sizes

Manage complex payout structures with ease

Receive payments from international customers in USD or local currencies

Treasury Management

Improve capital efficiency with stable and reliable liquidity.

Real-time access to large-scale payment flows with 24/7 availability

Reduce exposure to banking delays and operational constraints

Preserve value with protection against market volatility

Optimize liquidity for global operations and smoother cash flow

Settlements for Global Merchants

Faster, leaner settlements across markets.

Send hundreds of payouts globally with simple API calls

Pay merchants, creators, and users in stablecoin or local currency

Expedite payouts with automatic currency conversions

Scale payment flows across regions with seamless integration

One dashboard, total control

Operate with full visibility

Track

Monitor payments, balances, and customer activity in real time from a single dashboard.

Acess Now

Manage

Control users, permissions, and operational limits to keep your payment flows under control.

Acess Now

Configure

Set fees, API keys, and webhooks without code changes, adjusting your operation in minutes.

Acess Now

Analyze

Access live reports and exports to track performance, margins, and volumes in real time.

Acess Now

Track

Monitor payments, balances, and customer activity in real time from a single dashboard.

Acess Now

Manage

Control users, permissions, and operational limits to keep your payment flows under control.

Acess Now

Configure

Set fees, API keys, and webhooks without code changes, adjusting your operation in minutes.

Acess Now

Analyze

Access live reports and exports to track performance, margins, and volumes in real time.

Acess Now

Track

Monitor payments, balances, and customer activity in real time from a single dashboard.

Acess Now

Manage

Control users, permissions, and operational limits to keep your payment flows under control.

Acess Now

Configure

Set fees, API keys, and webhooks without code changes, adjusting your operation in minutes.

Acess Now

Analyze

Access live reports and exports to track performance, margins, and volumes in real time.

Acess Now

Backed by leading global companies driving innovation and sustainable growth

TAG

Build global payment flows with one API

Move money instantly, anywhere.

Get started

Get started

Get started

Docs

Docs

Docs

B2B Payments

Use multi-currency virtual accounts and stablecoin settlement to operate in new markets with reduced overhead.

B2B Payments

Use multi-currency virtual accounts and stablecoin settlement to operate in new markets with reduced overhead.