changelog

Product Update

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Account provisioning at customer creation

Create customer accounts by currency during provisioning, read linked accounts, and subscribe to account lifecycle webhooks as verification moves accounts to active status.

Abstract changelog cover for account provisioning at customer creation
Abstract changelog cover for account provisioning at customer creation

Provision accounts at customer creation

You can now pass an accounts array of currency codes when creating a customer. Each currency provisions an account that enters verification and becomes ACTIVE once approved. The customer response now also returns the linked accounts with their id and currency.

Transition period: Until June 19, 2026, the accounts field is optional. During this period, if no account is specified, the BRL account will be created. After this date, it will be required when creating a customer.

A

{
"type": "BUSINESS",
"legalName": "Lumx Tecnologia LTDA",
"taxId": "00.000.000/0001-91",
"incorporationDate": "2020-01-01",
"country": "BRA",
"email": "hello@lumx.io",
"accounts": [
{ "id": "8412f484-32fe-418f-80d1-99eb1b3ba7f3", "currency": "BRL" },
{ "id": "af04e979-360a-428a-84e6-cbd8ffc4942b", "currency": "USD" },
{ "id": "d06d342c-629a-4d99-a26f-34e8ea528403", "currency": "EUR" },
{ "id": "16cb802f-8521-41ad-ab6e-dc40f43c0ad3", "currency": "MXN" }
]
}

Read accounts

List a customer’s accounts via GET /accounts. Each account is linked to a customer and runs through a verification workflow (PROVISIONINGACTIVE). See Accounts for details.

A

{
"data": [
{
"id": "433bbe8b-feba-49e3-80f8-7bb528d3744e",
"customerId": "3b55a2fa-57dc-48f1-ac0f-ac1d5ba4674a",
"currency": "BRL",
"status": "ACTIVE",
"createdAt": "2026-05-13T20:49:13.236Z",
"updatedAt": "2026-05-14T13:55:15.418Z"
}
]
}

Account webhook events

Subscribe to account.provisioning,account.rfi,account.active, and account.closedto receive real-time updates as an account moves through verification. See Available events.

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Bank accounts renamed to destinations

The bank accounts resource has been renamed to destinations across API fields, routes, and webhook events, with a transition period for existing integrations.

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TEMPORARY_REJECTION renamed to RFI

The temporary rejection status has been renamed to RFI across customer verification, associated parties, and webhook events.

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Wallets only returned for APPROVED customers

Customer wallet data is now returned only after verification is approved, with webhook and read-customer flows recommended for availability updates.

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Isolated retry for associated party verification

Retry verification for specific associated parties without changing the status of unaffected parties, enabling more targeted business customer review flows.

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Improving customer onboarding

Customer onboarding now includes automatic UBO role assignment, proof-of-address requirements, and terms-of-service acceptance before verification.

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Webhooks V2

Webhooks now use a new delivery system with consistent event structure, retry reliability, and updated signature verification headers.

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MXN está ativo: transações em pesos mexicanos, transferências SPEI e contas com CLABE

Agora você pode criar transações em MXN através do Painel e da API, habilitar rampas de entrada e saída em MXN, executar transferências bancárias no México via SPEI e habilitar Contas Virtuais em MXN com números CLABE únicos para seus clientes.

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KYC/KYB API, Idempotency and MCP Server

Strengthening Lumx’s infrastructure across compliance orchestration, operational safety, and AI-native integration.

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Supporting Individual Customers and Bank Account Holders

Financial infrastructure doesn’t operate only between companies.

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