How does USDC-to-USD conversion work on Lumx?

Send USDC from any supported blockchain, Lumx converts at a competitive FX rate and delivers USD to the recipient's bank account via ACH, Wire, or SWIFT with instant settlement — through a single API integration.

What are the fees for converting USDC to USD?

Lumx charges a conversion fee included in the FX rate. Pricing varies based on volume and use case — contact our team at lumx.io/contact for a custom quote.

Yes. Lumx is a FinCEN-registered Money Services Business (MSB #31000316459619) in the United States. Lumx is not a bank or financial institution — all regulated financial services are provided through licensed partners. We operate following industry best practices for compliance, including KYC/KYB verification, Chainalysis on-chain monitoring, and sanctions screening on every transaction. We are also undergoing the licensing process for Virtual Asset Service Provider (VASP) in Brazil.

What countries and currencies does Lumx support?

Lumx currently supports conversions involving BRL (Brazil via PIX), MXN (Mexico via SPEI), USD (United States via ACH and Wire, globally via SWIFT), and EUR (Europe via SEPA). Stablecoins supported are USDC and USDT across Ethereum, Polygon, Base, and Tron. New currencies and payment rails are continuously being added and can also be requested.

USDC

Convert USDC to USD Instantly via ACH, Wire or SWIFT.

Convert USDC to US Dollars (USD) with instant settlement via ACH or Wire, competitive FX rates, and built-in compliance through the Lumx platform.

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Trusted by category leaders

MADE FOR DEVELOPERS

Build global payment flows with one API

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

Read Docs

createCustomer.ts

linkBankAccount.ts

executePayment.ts

PartnerFees.ts

Onboard a Customer

Onboard customers with automated KYC/KYB verification. Each customer gets a dedicated custodial wallet and named virtual accounts for seamless payment operations.

Link a Bank Account

Link bank accounts for payouts, either the customer's own accounts or third-party beneficiaries. Supports multiple currencies and payment rails for global distributions.

Execute a Payment

Send payments globally or collect from customers. Real-time exchange rates, instant settlement, and complete transaction visibility through one API.

Configure Partner Fees

Monetize your platform by setting custom fees on transactions. Lumx handles collection and revenue sharing automatically—you define the fee structure, we handle the rest.

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/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"
}

Onboard a Customer

Onboard customers with automated KYC/KYB verification. Each customer gets a dedicated custodial wallet and named virtual accounts for seamless payment operations.

Link a Bank Account

Link bank accounts for payouts, either the customer's own accounts or third-party beneficiaries. Supports multiple currencies and payment rails for global distributions.

Execute a Payment

Send payments globally or collect from customers. Real-time exchange rates, instant settlement, and complete transaction visibility through one API.

Configure Partner Fees

Monetize your platform by setting custom fees on transactions. Lumx handles collection and revenue sharing automatically—you define the fee structure, we handle the rest.

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"

}

banking simplified

The complete stack for the future of global payments

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

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

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

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

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

Frequently asked questions

Quick answers to your top questions

How does USDC-to-USD conversion work on Lumx?
Send USDC from any supported blockchain, Lumx converts at a competitive FX rate and delivers USD to the recipient's bank account via ACH, Wire, or SWIFT with instant settlement — through a single API integration.
What are the fees for converting USDC to USD?
Lumx charges a conversion fee included in the FX rate. Pricing varies based on volume and use case — contact our team at lumx.io/contact for a custom quote.
Is Lumx regulated?
Yes. Lumx is a FinCEN-registered Money Services Business (MSB #31000316459619) in the United States. Lumx is not a bank or financial institution — all regulated financial services are provided through licensed partners. We operate following industry best practices for compliance, including KYC/KYB verification, Chainalysis on-chain monitoring, and sanctions screening on every transaction. We are also undergoing the licensing process for Virtual Asset Service Provider (VASP) in Brazil.
What countries and currencies does Lumx support?
Lumx currently supports conversions involving BRL (Brazil via PIX), MXN (Mexico via SPEI), USD (United States via ACH and Wire, globally via SWIFT), and EUR (Europe via SEPA). Stablecoins supported are USDC and USDT across Ethereum, Polygon, Base, and Tron. New currencies and payment rails are continuously being added and can also be requested.

Build your payment infrastructure with Lumx

Create an account to start exploring the platform, or schedule a call to discuss a custom integration for your business.

Start now

Book a demo

Start your integration

Begin your integration in minutes, scale as you go.

API reference