# Lumx

> The operating system for stablecoin payments

Lumx is a stablecoin payment infrastructure company. It provides APIs that let fintechs and payment processors collect, convert, and settle cross-border payments using multi-currency accounts and custodial wallets, mainly for Latin American markets.

Lumx is a stablecoin payment infrastructure company that provides application programming interfaces for cross-border money movement. It serves fintechs, neobanks, and payment processors that need to collect, convert, and settle payments across borders without establishing banking relationships in each market. Its platform is built for institutions operating in Latin America and other emerging markets where local payment rails and currency conversion are a persistent friction point.

The platform lets businesses accept local currencies through regional payment methods, convert those funds into stablecoins, and settle across multiple blockchain networks. It issues multi-currency virtual accounts and custodial wallets so that customers can hold and move value without needing direct integrations with banks in each jurisdiction. Compliance functions such as identity verification, screening, and transaction monitoring are built into the same application programming interface, and the company applies tiered onboarding checks depending on the risk profile of the customer's jurisdiction.

Lumx's core offering centers on its payment and settlement application programming interface, supported by virtual account issuance and wallet infrastructure as adjacent products. It is used by financial technology companies and payment processors that need programmatic access to stablecoin rails rather than building blockchain infrastructure themselves.

- 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 payment API that lets businesses collect and send funds across multiple currencies and jurisdictions. It converts incoming local payments into stablecoins for settlement, then converts back to local currency for payouts, routing transfers through local banking rails in each supported market. Businesses use it to consolidate collections and payouts into a single integration instead of managing separate banking relationships per country. Built-in screening and reporting tools help maintain regulatory compliance across the markets it serves. (Payments Infrastructure & Orchestration, Live, Main Product)
- [Named Virtual Accounts](https://thegrid.id/profiles/lumx): Named Virtual Accounts is a multi-currency virtual account product for businesses operating across borders. It provisions bank accounts with local banking details, such as IBANs, ACH routing numbers, and CLABE identifiers, held under the business or customer name for each supported jurisdiction. This lets businesses collect and send payments directly on local rails without opening accounts with local banks. Accounts are created and managed through an API, with real-time settlement tracking and webhook notifications for back-office reconciliation. (Financial Services Platform, Live)
- [Custodial Wallets](https://thegrid.id/profiles/lumx): Custodial Wallets is a managed custody product for holding and managing stablecoin and fiat balances on behalf of business customers. It provisions segregated wallets per customer across multiple blockchains through a single API integration, giving each customer dedicated wallet addresses with a unified balance view. The product integrates with the platform's payment and account services, enabling direct fiat-to-stablecoin conversions. Continuous transaction monitoring and configurable compliance controls are built into the custody infrastructure. (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)

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- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
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- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
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