Infinity International

What Infinity International does

Infinity International, operating as Lumon, is a London-headquartered international money transfer and foreign exchange services firm serving both individuals and businesses. The company targets two principal segments: personal customers undertaking international transfers — particularly those buying or selling property abroad, making family remittances, or paying education and medical expenses — and corporate customers needing FX risk management, cross-border supplier payments, and currency hedging. The firm is led by founder and CEO Robert Groves and operates with a headcount of 11-50 employees from its UK headquarters at 20 Farringdon Road, London, and a European office at 2 Dublin Landings, North Wall Quay, Dublin.

The product platform combines four core offerings accessible primarily via lumonpay.com: international money transfers to over 150 countries in over 40 currencies, country-specific property transfer services covering eleven destination markets, live exchange-rate monitoring and historical charts, and a corporate FX risk management service offering forward contracts and hedging. Distribution is hybrid: customers can self-serve online 24/7, while larger or more complex transactions are supported by phone-based currency specialists and dedicated account managers. Notable platform capabilities include live exchange-rate access, secure rate-lock functionality that protects against intra-day volatility, and multi-currency interoperability across the supported currency set.

The revenue model relies on two streams. The primary stream is the spread between customer-facing exchange rates and wholesale rates on transactional transfers; the firm charges no explicit transfer fees. The second stream is corporate FX risk management, including forward contracts and hedging solutions for business clients. Operations are structured across three regulated entities: Lumon Pay Ltd (FCA-authorised Electronic Money Institution, FRN 902022), Lumon Risk Management Ltd (FCA-authorised Payment Institution, FRN 567835, and FCA Regulated Investment Firm, FRN 671108), and Lumon FX Europe Limited (Central Bank of Ireland Electronic Money Institution, registration 631617). The firm has served more than 70,000 customers since 2000 and was recognised with the Pan-Finance Award 2026.

Name

Infinity International

Legal name

Lumon Pay Ltd

Website

https://iifx.co.uk

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

Lumon (Infinity International) provides international money transfer and foreign exchange services to individuals and businesses across 150+ countries in 40+ currencies, with specialisation in international property transactions and corporate FX risk management. It operates under FCA and CBI authorisation from London and Dublin.

Ownership category

akta.pro rank

Product category

International Money Transfer and Foreign Exchange Services

NAICS

Miscellaneous Intermediation (523910), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

akta.pro industry

PRIMARYFSAMAIAE

International Money Transfer Operators (MTOs)

Financial & Insurance/Payments & Transaction Processing/Cross-Border Payments & Remittances

SECONDARYFSABAAAK

Remittances & Retail FX (Consumer Cross-Border)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Retail Banking

SECONDARYBPAMAFAK

Cross-Border & FX Payments Platforms

Business & Public Services/Web, Mobile & Digital Platforms/Payments, Wallets & Digital Banking Platforms

Keywords

• International money transfer
• Foreign exchange services
• Currency exchange
• Cross-border payments
• FX risk management

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Currency Exchange Spread: Revenue generated from the difference between the exchange rate offered to customers and the wholesale rate. No transfer fees charged to customers.
2. Corporate FX Risk Management: Specialized foreign exchange risk management services for business customers including forward contracts and hedging solutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Infinity International (operating as Lumon) provides international money transfer and foreign exchange services, enabling personal and business customers to send money to over 150 countries in over 40 currencies at bank-beating exchange rates. The offering spans dedicated personal transfers, specialized currency support for international property transactions (buying and selling property abroad), and corporate FX risk management including forward contracts and hedging solutions, delivered through an online platform backed by phone-based currency specialists.

Product overview

Lumon operates as a single integrated platform for international money transfer and currency exchange services, unified under its core web-based product accessible at lumonpay.com. The offering combines three main service areas: international money transfers (personal and business), international property transfer services, and FX risk management for corporate clients. The platform is supported by live exchange rate tools and operates across multiple regulated entities (Lumon Pay Ltd, Lumon Risk Management Ltd, and Lumon FX Europe Limited).

Differentiator

Problem solved

Functional benefit

Products and services

• International Money Transfer International money transfer service enabling customers to send money abroad to over 150 countries in over 40 currencies with bank-beating exchange rates and no transfer fees. Available to personal and business customers via 24/7 online platform and phone-based currency specialists.
• International Property Transfer Services Specialized currency exchange services for international property transactions, covering buying and selling property abroad with guidance on local processes and regulations across Spain, France, Portugal, Cyprus, Greece, Italy, Turkey, Australia, New Zealand, USA, and Ireland.
• Corporate FX Risk Management Foreign exchange risk management services for corporate and business clients, providing forward contracts and hedging solutions to protect against currency volatility for international transfers, overseas supplier payments, and broader FX exposure.

Quantifiable outcome

• Serving customers since 2000 with over 70,000 customers

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Estate AgentscoreChannel Partner/ Reseller/ DistributorNetwork of estate agents who refer clients buying or selling property abroad to Lumon for currency exchange services. These partners work with clients on international property transactions who need to transfer funds between countries.
• SolicitorscoreChannel Partner/ Reseller/ DistributorLegal professionals handling international property transactions who recommend Lumon's currency exchange services to their clients for secure and competitive fund transfers.
• Removal/Relocation CompaniesminorChannel Partner/ Reseller/ DistributorCompanies assisting individuals with international relocations who refer clients needing money transfer services for moving expenses and property transactions abroad.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Wise: Direct competitor offering international money transfers and multi-currency accounts across 160+ countries. Comparability: same core MTO product, similar corridor breadth, but much larger scale and pure self-serve digital model.
• Remitly: Public US-based digital remittance MTO serving 170+ countries. Comparability: directly overlaps on international money transfer value proposition and spread/no-fee pricing model.
• OFX: Specialist international money transfer and FX risk management provider for individuals and businesses. Closest comparable on specialist-led FX + corporate hedging combination.
• TorFX: UK-based international money transfer and FX specialist serving personal and corporate customers. Direct comparable on UK MTO positioning, specialist-led service, and property-transaction focus.
• WorldRemit: Digital cross-border remittance and money transfer operator active across 130+ countries. Comparable on international money transfer core product, though with stronger digital/app orientation.
• CurrencyFair: Peer-to-peer and direct international money transfer platform serving individuals and businesses across 150+ corridors. Overlaps on cross-border FX transfers for personal and SME customers.
• Caxton: UK-based currency and international payments specialist for personal and corporate clients. Direct comparable on UK MTO positioning and specialist-led cross-border FX service.

Broad incumbents

• Western Union: Global incumbent in cross-border money transfer with extensive agent network. Comparability: serves the same international money transfer use case but at vastly larger scale and via cash-pickup rather than specialist advisory service.
• MoneyGram: Large incumbent cross-border MTO with global agent network. Comparability: overlapping international transfer product, but predominantly cash-based, retail-led distribution versus Lumon's digital + specialist model.
• Revolut: UK-based digital banking super-app with international transfer and FX capabilities embedded in a broader financial product suite. Comparable on cross-border transfers but as part of a much wider portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/infinity-international-limited

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 Infinity International