Supporting Individual Customers and Bank Account Holders

With this update, Lumx now fully supports individual customers and natural person bank account holders, expanding flexibility for institutions that operate across retail and corporate flows.

1. Individual Customers

You can now create customers with the type INDIVIDUAL, designed for natural persons.
Instead of modeling individuals as corporate entities, institutions can now structure onboarding flows with proper data fields:

• Name

• Tax ID (CPF)

• Birth date

This allows financial institutions to build compliant onboarding flows for:

• Retail clients

• Beneficiaries

• Independent contractors

• Individual counterparties

2. Individual Bank Account Holders

Bank accounts now support individual holders using the same structure.

For counterparty bank accounts, birthDate becomes optional, allowing flexibility when full data collection is not required.

This update enables more accurate representation of:

• Personal payout accounts

• Independent beneficiaries

• Non-corporate recipients

3. CPF as a Valid PIX Identifier

Bank accounts now support CPF as a valid keyType identifier for PIX.
This improves interoperability in Brazilian payment flows and reduces friction when transacting with natural persons.

4. Expanded Relationship Types

We’ve added new relationship types for bank account holders:

• FRIEND

• RELATIVE

• EMPLOYEE

This enhances how institutions model real-world relationships in payment structures, especially in payroll, expense management, and personal transfer scenarios.

Why This Matters

As stablecoin infrastructure converges with local payment systems, supporting both corporate and individual entities becomes essential.

This update ensures institutions can:

• Build compliant onboarding flows for natural persons

• Represent real-world payment relationships more accurately

• Reduce modeling workarounds

• Operate seamlessly within Brazilian PIX infrastructure