# Luno > Future-grade finance Luno is a cryptocurrency exchange and investment app. It helps users buy, sell, store, and earn on digital assets, tokenized stocks, and stablecoins through a regulated platform built for beginners and experienced traders. Luno is a cryptocurrency exchange and investment app that lets users buy, sell, and store digital assets from one account. The same account offers tokenized US stocks and ETFs, index-tracking crypto bundles, staking, and interest on stablecoin balances. It is built for first-time investors as well as active traders, who get an exchange view and an API. Users fund accounts in local currency and trade against it directly, while customer assets are held one-to-one and checked by monthly proof of reserves. Luno Pay lets users in South Africa pay participating merchants by scanning a QR code with crypto held in the app. Prediction markets let users take positions on short-term crypto price moves, settled in a stablecoin. For businesses, Luno runs an OTC desk for large trades, a minting service that converts local currency into USD stablecoins and back, and Luno Settlements for collecting and paying out South African rand through an API. Its flagship product is Luno Exchange, alongside Luno Staking, Luno Pay, and the Luno API. The platform is used by retail investors, traders, and businesses across its regulated markets. - Type: Company - Sector: Finance - Status: Active - Founded: 2013-01-01 - Profile: https://thegrid.id/profiles/luno ## Products - [Luno Exchange](https://thegrid.id/profiles/luno): Luno Exchange is a centralized exchange and investment app where users buy, sell, store, and trade cryptocurrencies against local currency. The same account offers tokenized US stocks and ETFs, crypto bundles that track an index, and interest on stablecoin balances. Users can take positions on short-term crypto price moves through prediction markets settled in a stablecoin. Active traders get an order-book view with live market data and multiple order types, and large trades run through an OTC desk. (Centralised Exchange, Live, Main Product) - [Luno API](https://thegrid.id/profiles/luno): Luno API gives developers programmatic access to Luno trading, wallet management, and market data through REST endpoints and a WebSocket feed. Users can build trading bots, manage multi-currency wallets and transfers, and set permissions on each API key. Official SDKs and an AI agent integration let applications and AI agents connect to Luno accounts. (Developer Tooling, Live) - [Luno Staking](https://thegrid.id/profiles/luno): Luno Staking is a staking service that lets users create a staking wallet and earn periodic rewards through vetted validators, with rewards paid to the wallet. (Staking & Validation Services, Live) - [Luno Pay](https://thegrid.id/profiles/luno): Luno Pay is a payment feature in the Luno app that lets users pay South African merchants with crypto by scanning a QR code in store or at online checkout. Payment partners convert the crypto so that merchants receive rands. Users pay from their app balance, including a rand-pegged stablecoin, with no transaction fee. (Merchant Payment Gateway, Live) - [Luno Settlements](https://thegrid.id/profiles/luno): Luno Settlements is an API-first service for businesses that collect South African rand from third parties and pay rand out to beneficiaries. Each instruction is confirmed once settled, reconciled with an audit trail, and screened against sanctions lists, and batch payouts reach many beneficiaries in one request. Foreign platforms can use it for local settlement without their own South African entity. (Payments Infrastructure & Orchestration, Live) - [Luno Minting](https://thegrid.id/profiles/luno): Luno Minting is a business service that converts local currency or US dollars into USD stablecoins at a one-to-one rate inside a Luno wallet. Verified business clients deposit funds and receive stablecoins on settlement, then redeem them back to local currency the same way. A regulated clearing partner handles the stablecoin leg, and pricing is set per client. (On/Off Ramp, Live) ## Links - [Main](https://www.luno.com) - [Blog](https://discover.luno.com) - [Documentation](https://guide.luno.com) - [Terms of Service](https://www.luno.com/legal/terms-of-use) - [Privacy policy](https://www.luno.com/legal/privacy) - [Twitter / X](https://x.com/LunoGlobal) - [YouTube](https://youtube.com/@lunoglobal) - [LinkedIn](https://linkedin.com/company/lunoglobal) - [Instagram](https://instagram.com/luno_global) - [GitHub](https://github.com/luno) - [TikTok](https://www.tiktok.com/@luno_global) - [Telegram](https://t.me/LunoSouthAfrica) ## 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. 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