The challenge

Conta Simples is a Brazilian financial platform built for modern companies that need more control over corporate spending, payments, cards and day-to-day financial operations. Its product helps SMBs and startups replace fragmented workflows across bank accounts, spreadsheets, expense reports and manual reconciliation with a more integrated operating layer for business finance.

As Conta Simples scaled with digital-first companies, its customers became increasingly global. They needed to pay international suppliers, subscribe to cross-border SaaS tools and settle invoices with partners outside Brazil. The demand was clear, but the payment experience still lived outside the Conta Simples product.

International payments had become a natural extension of Conta Simples’ customer needs. Yet, in practice, customers still relied on traditional banks, wire transfers and third-party FX providers to complete those transactions. Every international payment created friction, took the customer out of the platform and left a strategic gap in the product experience.

Building that infrastructure internally would not have been a simple product extension. It would have required FX operations, banking relationships, settlement infrastructure, compliance workflows and dedicated engineering capacity in a domain outside Conta Simples’ core focus.

The strategic question was clear: how could Conta Simples offer international payments as a native, branded feature without turning its product and compliance roadmap into a cross-border payments buildout?

How Lumx solved it

Conta Simples partnered with Lumx to embed international payments directly into its platform through a single API integration. Lumx provided the infrastructure layer behind the experience, allowing Conta Simples to launch a branded cross-border payment product while keeping ownership of the customer relationship and product interface.

The integration delivered three core capabilities.

First, white-label international payments via API, enabling Conta Simples to offer cross-border transfers inside its own product experience. Second, on-ramp and off-ramp flows with stablecoin-based settlement rails, supporting faster and more predictable settlement compared with traditional correspondent banking flows. Third, third-party payment flows, allowing Conta Simples customers to pay international beneficiaries such as suppliers, SaaS vendors and partners abroad without leaving the platform.

With Lumx operating the infrastructure layer, Conta Simples was able to bring global payment capabilities to market while staying focused on its core product: helping companies manage spending and financial operations with more control, speed and clarity.

Results

The feature showed strong early adoption. In the first three months after launch, Conta Simples recorded 8.4x growth in transaction count, driven by customers who already had a clear need for international payment capabilities inside the platform.

Beyond transaction volume, the product created a new monetizable line of business. International payments became a way to deepen customer engagement, increase platform relevance and reduce the need for customers to rely on external providers for cross-border flows.

What had previously been a product gap became a new source of growth, revenue and retention.

Key takeaways

For financial platforms serving globalizing businesses, international payments are no longer a peripheral feature. They are part of the operating system customers expect.

By partnering with Lumx, Conta Simples avoided a long infrastructure build, launched a native cross-border payment experience and turned an unmet customer need into measurable product adoption in less than one quarter.

The model is repeatable for platforms across Latin America: stablecoin-based settlement rails, delivered through white-label infrastructure, can help companies offer global payment capabilities without rebuilding the entire cross-border stack internally.