# Lumx > The operating system for stablecoin payments Lumx provides stablecoin payment APIs that let businesses collect, convert, and settle cross-border payments with multi-currency accounts and custodial wallets for Latin American markets. Lumx serves fintechs, neobanks, and payment processors that need cross-border payment capabilities without setting up banking relationships in each market. Users can accept local currencies via PIX, SPEI, SEPA, and ACH, convert to stablecoins, issue multi-currency virtual accounts, and manage custodial wallets across multiple blockchain networks. KYC, AML screening, and transaction monitoring are built directly into the API. - Type: Company - Sector: Payments - Status: Active - Founded: 2022-01-01 - Profile: https://thegrid.id/profiles/lumx ## Products - [Global Payments](https://thegrid.id/profiles/lumx): Global Payments is a cross-border B2B payment API that uses stablecoins as an intermediate settlement layer when routing funds between local currency payment systems. Businesses can collect payments through local payment networks in supported jurisdictions and distribute payouts globally with 24/7 settlement. Built-in compliance tools provide automated transaction screening and regulatory reporting across supported markets. (Payments Infrastructure & Orchestration, Live, Main Product) - [Named Virtual Accounts](https://thegrid.id/profiles/lumx): Named Virtual Accounts is a multi-currency virtual account product that provisions bank accounts with local banking details including IBANs, ACH routing numbers, and CLABE identifiers for each supported jurisdiction. Each account is held in the business or customer name, enabling direct two-way payment flows without establishing local banking relationships. Accounts are created and managed via API with real-time settlement tracking and webhook event notifications. (Financial Services Platform, Live) - [Custodial Wallets](https://thegrid.id/profiles/lumx): Custodial Wallets is a managed stablecoin custody product that provisions segregated wallets per customer across multiple blockchains through a single API integration. Each customer receives dedicated wallet addresses with a unified balance view for holding and managing stablecoin funds. Continuous AML transaction monitoring and real-time balance tracking are built into the platform. (Custody Technology Provider, Live) ## Links - [Main](https://lumx.io) - [Documentation](https://docs.lumx.io) - [Blog](https://lumx.io/blog) - [Privacy policy](https://lumx.io/privacy-policy) - [Terms of Service](https://lumx.io/terms-of-use) - [Instagram](https://instagram.com/lumx.io) - [GitHub](https://github.com/lumx-protocol) - [LinkedIn](https://www.linkedin.com/company/hellolumx) ## Legal This data is provided under two licensing models. Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. 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