Lumx

Lumx is a Brazilian stablecoin payments infrastructure company founded in 2022, headquartered in Rio de Janeiro. The company positions itself as the operating system for stablecoin payments, providing API-first infrastructure that unifies traditional banking rails with blockchain technology to enable fast, compliant, and low-cost global payments.

Lumx is focused on serving businesses in Latin America and globally that need modern cross-border payment infrastructure — including neobanks, fintechs, crypto exchanges, payment service providers, FX brokers, payroll platforms, marketplaces, and trading companies. The company raised a $3.4M Seed Round and has been recognized by programs including Forbes Under 30, the Latitud Fellowship, Endeavor Scale Up, and Consensys Scale.

Core Products/Services

Lumx offers three interconnected products delivered via a unified REST API:

Global Payments — A pay-in and pay-out engine that allows businesses to accept local currency payments across multiple markets, convert funds to stablecoins (USDC, USDT) for instant settlement, and send payouts globally through local payment rails (PIX, ACH, SEPA, SWIFT). Settlement occurs in minutes rather than the traditional T+2/T+3 cycles, at costs up to 90% lower than correspondent banking.

Named Virtual Accounts — Multi-currency virtual accounts with dedicated banking details (real IBANs and routing numbers) in currencies including USD, EUR, MXN, and BRL. Each account is issued in the business's or customer's name, providing full payment identity control. Accounts are managed via API with instant provisioning and real-time webhooks.

Custodial Wallets — Enterprise-grade custodial wallet infrastructure for holding stablecoins on behalf of customers. Each customer receives a dedicated, segregated wallet with compliance controls built in. Integrated directly with Global Payments and Named Virtual Accounts for unified fiat-stablecoin operations.

Key Strengths

• API-first architecture: REST API designed with familiar banking primitives, enabling integration in under a week without crypto expertise
• Compliance by design: Built-in KYC/KYB onboarding (via Sumsub integration), AML transaction monitoring, Travel Rule messaging, and regulatory reporting across multiple jurisdictions
• 24/7 settlement: Payments processed around the clock, eliminating banking hour restrictions
• Deep liquidity: Institutional-grade liquidity in major stablecoins and fiat currencies
• LATAM focus: Local payment rails across Latin America through a single integration
• Security: Audited by Halborn, pursuing SOC2 certification, pending MSB registration with FinCEN

Notable Clients/Projects

Lumx serves category leaders including neobanks, crypto exchanges, FX brokers, and trading platforms. BTG Pactual's Head of Digital Assets, Andre Portilho, has publicly endorsed Lumx as going "beyond expectations" and providing "real innovation to the market."

Why Choose Lumx

Lumx removes the friction of global payments by eliminating multi-day settlements, correspondent banking fees, and fragmented compliance requirements. The platform is designed for businesses processing at least $500,000 per month, providing a single integration point for conversion, routing, custody, and compliance — replacing multiple fragmented systems. The company brings blockchain-native speed and cost efficiency to businesses without requiring any crypto expertise from their development teams.