Infinity International
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.
- Company typePrivate
- Founded2000
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
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.
Infinity International firmographics
Firmographics- 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
Infinity International industry classification
Industry- 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 primary industry
- International Money Transfer Operators (MTOs) (FSAMAIAE)
- akta.pro secondary industries
- Remittances & Retail FX (Consumer Cross-Border) (FSABAAAK), Cross-Border & FX Payments Platforms (BPAMAFAK)
Keywords
Where Infinity International is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
Infinity International business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- 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.
- Corporate FX Risk Management: Specialized foreign exchange risk management services for business customers including forward contracts and hedging solutions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Personal transfers - no fees, bank-beating exchange rates |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels7 records
Infinity International product offering
Product offeringCore 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
Companies that use Infinity International
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Infinity International technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Infinity International partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- Estate AgentscoreNetwork 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.
- SolicitorscoreLegal professionals handling international property transactions who recommend Lumon's currency exchange services to their clients for secure and competitive fund transfers.
- Removal/Relocation CompaniesminorCompanies 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
Infinity International competitors and assessment
Company assessmentDirect 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
Infinity International social profiles
Digital presenceInfinity International compliance and trust
Trust signalCompliance4 records
Infinity International financial estimates
Financial estimateRevenue estimate
Valuation estimate
Infinity International leadership team
Management profileNumber of profiles
Profiles1 record
Infinity International funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Infinity International M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Infinity International
What does Infinity International do?
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.
Is Infinity International a public or private company?
Infinity International is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Infinity International founded?
Infinity International was founded in 2000. It employs 11 to 50 people.
Where is Infinity International based?
Infinity International is headquartered in London, United Kingdom, in the Europe region.
How does Infinity International make money?
Two revenue lines are on record. Currency Exchange Spread is the primary driver. The others are corporate FX Risk Management.
Who are Infinity International's main competitors?
Direct peers on record are Wise, Remitly, OFX, TorFX, WorldRemit, CurrencyFair and Caxton. Broad incumbents are Western Union, MoneyGram and Revolut.
Does Infinity International have an API?
No public API is recorded for Infinity International.
What industry is Infinity International in?
Infinity International's product category is International Money Transfer and Foreign Exchange Services. Its primary akta.pro industry code is FSAMAIAE, International Money Transfer Operators (MTOs), with a secondary code of FSABAAAK, Remittances & Retail FX (Consumer Cross-Border). Its NAICS code is 523910.