Named Virtual Accounts
Multi-currency accounts for global businesses
Local bank accounts in your customer’s own name, in BRL, MXN, USD, EUR and GBP, with deposits converted to stablecoin.
USD
$
5,206.83
USDC
$
18,730.38
EUR
€
5,047.00
BRL
R$
28,120.62
ACH
6789
40,630.00
USD
Routing number
123456789
Account number
123456789012
Account Holder
Acme Imports LLC
100 Example Street
Miami, FL 33101
Bank details
Example Bank, N.A.
500 Sample Avenue, New York
NY 10001, USA
USD NAMED VIRTUAL ACCOUNT
ACH
6789
SEPA
0130 00
PIX
051 87
Trusted by category leaders
Account ownership
Named Virtual Accounts
Simplify multi-currency banking with named virtual accounts that replace fragmented bank relationships.
Total balance
$
40,630.00
$5,206.83
$18,730.38
$28,120.62
MULTI-CURRENCY ACCOUNTS
Hold and manage funds in multiple currencies within a single virtual account for simplified operations.
Account details
Routing number
026009593
Account number
123456789012
Account Holder
Lumx US OP
8 The Green, #21425
Dover, WY 19901
DEDICATED IBAN & ROUTING NUMBERS
Receive payments directly using local banking details specific to each jurisdiction you operate in.
Waiting for fiat deposit
Jan 14, 2025, 02:43 PM
Deposit identified
Jan 14, 2025, 02:43 PM
Transfering stablecoin
16s ago
Processing...
Move Money
INSTANT FUND TRANSFERS
Move money between virtual accounts and wallets in real-time with transparent settlement tracking.
AcmeBank
9593
AcmeBank
567 98
PAYMENT IDENTITY CONTROL
Your company name as sender/recipient on every transaction with full payment identity ownership.
PIX
SWIFT
SEPA
ACH
Name
Mario da Silva
Account
005466582
Pix key
857.043.768-43
REDUCED BANKING COMPLEXITY
Consolidate multiple bank accounts into one platform, cutting overhead costs and administrative burden.
Superior controL
Market vs Lumx
Lumx Named Virtual Accounts eliminate fragmented banking complexity while delivering full payment identity control and instant scalability.
Multi-currency model
Limited currencies, often regional or bank-specific only
Multi-currency accounts with local IBANs, USD, EUR, GBP, MXN, COP and others for global businesses
Identification on both ends
Generic bank/provider name shown to payer and payee
Company name as sender/recipient on every transaction, full payment identity control
Account opening & management
Manual bank processes, approval delays, no API control
Instant API provisioning, full lifecycle management via dashboard and APIs
Integration
CSV exports, batch files, limited real-time APIs
Real-time APIs and webhooks for ERPs, billing systems, seamless embedded integration
Scalability
Operational limits on account volume, fragmented reporting
Thousands of named accounts under unified platform, backed by top-tier banks
Frequently asked questions
Quick answers to your top questions
What are Lumx Named Virtual Accounts?
They are local bank accounts, opened through the Lumx API in your customer's own name, in BRL, MXN, USD, EUR and GBP. A business customer gets, for example, a BRL account with agência and conta in the company's name, and payers see that company as the account holder. Lumx provisions each account with a banking partner once the customer is verified, and converts deposits to USDC or USDT in the customer's wallet.
How do deposits work?
The payer sends a local transfer to the account's bank details: Pix in Brazil, SPEI in Mexico, ACH, Fedwire or SWIFT for USD, SEPA in Europe, Faster Payments in the UK. An autoconversion rule (auto-ramp) then converts the deposit to USDC or USDT. The fiat is only in transit: it converts to stablecoin in the customer's wallet, and account statements and CSV export are available. Lumx matches each deposit to its rule, delivers the stablecoin on-chain and sends webhooks as the conversion moves.
Named account vs virtual account: what's the difference?
A virtual account is a bank account issued by a banking partner for one currency. A named account is a virtual account issued in your customer's name, not in Lumx's name or in a pooled account. The payer sends to bank details that identify your customer as the beneficiary, and a payout shows your customer as the sender on the recipient's statement. Lumx issues named accounts per customer, so your platform can collect and pay for its customers without nesting payments.
Which bank details does each currency get?
USD gets ACH, Fedwire and SWIFT details. BRL gets agência and conta. MXN gets a CLABE. EUR gets an IBAN. GBP gets a sort code and account number. COP accounts are named only for Colombian customers. Lumx opens one account per currency, so a customer that needs several currencies requests each one.
Can a company without a local entity open one?
Yes. A company incorporated outside Brazil or Mexico can open a BRL or MXN account without a local entity, and a Brazilian company with a CNPJ can also use the BRL account for domestic collection. The company completes KYB, and the account is active right after approval. Lumx runs the KYB and provisions the account with its banking partner.
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.
