What Lumx does

Lumx is a Brazilian fintech founded in 2022 that operates a stablecoin-integrated payments infrastructure platform accessible via REST API and a self-serve dashboard. The core product suite comprises Global Payments (local-currency collection and stablecoin-settled global payouts), Named Virtual Accounts (multi-currency accounts with real IBANs, routing numbers, and CLABE identifiers), and Custodial Wallets (enterprise-grade segregated stablecoin wallets across Polygon, Stellar, Ethereum, Base, Solana, Tron, and Arbitrum). A Compliance Infrastructure module automates KYC/KYB (via Sumsub), blockchain transaction monitoring (via Chainalysis), Travel Rule messaging, and regulatory reporting aligned with BCB Resolutions 520/2025 and 521/2025, plus LGPD and GDPR. An MCP Server endpoint exposes documentation to AI development tools such as Claude and Cursor.

The company monetizes primarily through transaction fees, supplemented by API/platform access and configurable partner fee revenue sharing. Distribution is API-first and self-serve, complemented by direct enterprise sales. Target customers are horizontal across LATAM and now European/U.S. corridors: neobanks, fintechs, payment service providers, marketplaces, crypto exchanges, FX brokers, trading platforms, and remittance companies. Operations are currently live in Brazil (PIX/BRL) and Mexico (SPEI/MXN since March 2026), with SEPA and SWIFT rails extended in November 2025.

Lumx closed a $3.4M seed round in October 2025 co-led by Indicator Capital and CMT Digital, with participation from 4um Investimentos, Antler, Bitso, Cafe VC, Escala Capital, Honey Island Capital, and Nomad. The firm is registered as Lumx Sociedade Prestadora de Serviços de Ativos Virtuais LTDA in Rio de Janeiro and operates as a Brazilian SPSAV under BCB's transitional regulatory regime.

Name

Lumx

Legal name

Lumx Sociedade Prestadora de Serviços de Ativos Virtuais LTDA

Website

https://lumx.io

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Lumx is a Brazilian fintech operating an API-first stablecoin payments platform that enables LATAM neobanks, fintechs, exchanges, and remittance companies to collect local currency and settle globally via stablecoin rails, with integrated KYC/KYB and transaction monitoring.

Ownership category

akta.pro rank

Product category

Cross-Border Payments Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)

akta.pro secondary industries

Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ), Invoice, Billing & Subscription Payments (Crypto) (FSADAIAG)

Keywords

• Stablecoin payments
• Cross-border payments
• Payment orchestration
• Multi-currency accounts
• Fiat on-off ramps

Headquarters

HQ city

Rio De Janeiro

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Transaction Fees: Lumx charges fees on payment transactions processed through its platform. The platform enables pay-in, pay-out, and stablecoin sandwich products with transparent fee structures visible in transaction examples (e.g., $40,630.00 USDC converting to BRL with explicit 'After fees' pricing).
2. API/Platform Access: Developer API access for building stablecoin payment flows. Platform provides dashboard for management and monitoring. Business model includes monetization through custom partner fee configurations where clients define fee structures and Lumx handles collection and revenue sharing.

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

Lumx provides a stablecoin payments API that enables businesses to accept payments in local currency and send payments globally via stablecoin rails. The platform combines payments orchestration, multi-currency virtual accounts (with IBANs/CLABE/routing numbers), enterprise-grade custodial wallets, and automated KYC/KYB and transaction monitoring compliance through a single REST API. It connects local banking systems (PIX, SPEI, SEPA, SWIFT) to blockchain networks (Polygon, Stellar, Ethereum, Base, Solana, Tron, Arbitrum), allowing fintechs and other businesses to move money globally without requiring crypto expertise.

Product overview

Lumx is a payments infrastructure platform providing an integrated and modular solution for international payments and settlements using stablecoins, accessible via REST API and dashboard. The core product portfolio consists of three interconnected products: Global Payments (for accepting local currency and sending global payouts via stablecoin rails), Named Virtual Accounts (multi-currency accounts with real banking details for collections and payouts), and Custodial Wallets (enterprise-grade stablecoin wallets with fund segregation). These are unified by a Compliance Infrastructure module (automated KYC/KYB, transaction monitoring, regulatory reporting) and a Dashboard & Analytics module for real-time operations management. The Webhooks V2 system delivers real-time events across all products. The MCP Server enables AI development tool integration. Lumx operates as a virtual asset service provider regulated by Brazil's Central Bank (BCB Resolution 520/2025), targeting businesses in Latin America including neobanks, fintechs, crypto exchanges, FX brokers, trading platforms, and remittance companies.

Differentiator

Problem solved

Functional benefit

Products and services

• Global Payments Accept payments in local currency and send payments globally with low fees using stablecoin rails. Supports multi-currency collection, real-time exchange rates, instant global settlement in minutes instead of T+2/T+3 cycles, and 24/7 operation without banking hour restrictions. Transaction costs up to 90% lower than correspondent banking networks.
• Named Virtual Accounts Multi-currency accounts with real IBANs, routing numbers, and CLABE numbers for global collections and payouts. Supports USD, EUR, MXN, and other currencies with customer names as holders, enabling two-way flows with instant reconciliation.
• Custodial Wallets Enterprise-grade custodial wallets with complete fund segregation for customers. Supports stablecoins (USDT, USDC) across multiple blockchains with unified balance view, integrated with Global Payments and Named Accounts.
• MCP Server

Quantifiable outcome

• Transaction costs reduced by up to 90% compared to correspondent banking networks
• +2 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability3 records

Feature8 records

Partnerships

Four partnerships are on record, tiered core.

• BTG Pactual S.A.coreTechnology or IntegrationRegulated banking and FX services. CNPJ: 30.306.294/0001-45, Jurisdiction: Brazil. Provides institutional liquidity and banking integration in Brazilian market.
• Trocka Corretora de Câmbio LtdacoreTechnology or IntegrationRegulated FX services. CNPJ: 30.183.111/0001-41. Provides foreign exchange services for Lumx operations.
• SumsubcoreTechnology or IntegrationDue diligence and document analysis platform used for KYC/KYB verification processes. Handles automated document authenticity analysis and liveness checks.
• ChainalysiscoreTechnology or IntegrationBlockchain transaction analysis platform used for stablecoin transaction recording and compliance monitoring. Part of transaction monitoring infrastructure.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Bitso: Latin America's largest crypto exchange and payments platform, offering stablecoin-based cross-border payments and B2B API infrastructure across Mexico, Argentina, and Brazil. Most direct competitor to Lumx in the LATAM stablecoin payments space, and notably an investor in Lumx's seed round.
• BVNK: Enterprise-grade stablecoin payments platform providing APIs for cross-border payments, multi-currency accounts, and settlement. Targets fintechs and platforms globally, closely aligned with Lumx's API-first B2B go-to-market and product scope.
• Zero Hash: Crypto and stablecoin infrastructure-as-a-service platform offering APIs for payments, custody, and settlement to fintechs and brokerages. Comparable to Lumx in its API-first model and focus on embedded stablecoin rails for B2B customers.

Broad incumbents

• Circle: Issuer of USDC and provider of enterprise APIs for stablecoin payments, cross-border transfers, and treasury operations. Circle competes with Lumx at the orchestration layer and offers deeper liquidity, broader banking relationships, and significantly more capital.
• Paxos: Regulated blockchain infrastructure platform offering stablecoin issuance (USDP, PayPal USD), custody, and settlement APIs. Overlaps with Lumx on stablecoin-based settlement infrastructure and serves similar enterprise and fintech clients.
• Stripe (Bridge acquisition): Global payments giant that acquired Bridge (stablecoin orchestration platform) to enable stablecoin-powered cross-border payments via its developer API. Represents a well-capitalized competitor that could target the same LATAM fintech customer base as Lumx.

Regional players

• Pomelo: LATAM fintech-as-a-service platform offering issuing, processing, and account infrastructure for neobanks and fintechs. Comparable in enabling API-first financial infrastructure for LATAM fintechs, though focused on cards and accounts rather than stablecoin payments.
• Yellow Card: Pan-African and emerging markets stablecoin and fiat on/off-ramp platform with API infrastructure for businesses. Comparable to Lumx in serving emerging market fintechs with stablecoin-based payment infrastructure across underserved corridors.
• Ripio: Latin American crypto exchange and fintech offering crypto trading, payments, and B2B infrastructure across Argentina, Brazil, and other LATAM markets. Comparable regional competitor in stablecoin-enabled payment and remittance services.

Emerging players

• Transak: Global crypto on/off-ramp infrastructure provider offering APIs and SDKs for fiat-to-stablecoin conversion. Overlaps with Lumx in the conversion and fiat-ramp infrastructure layer serving fintechs, exchanges, and wallets.

Market position

Strengths4 records

Weaknesses3 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/lumx
• GitHubgithub.com/lumx-protocol
• YouTubeyoutube.com/@hellolumx
• LinkedInlinkedin.com/company/hellolumx
• Instagraminstagram.com/lumx.io

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds2 records

Investors10 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Lumx