Global Payments & Virtual Accounts

Lumx provides API-first infrastructure for businesses to move money globally using stablecoin settlement rails. The platform combines pay-in/pay-out capabilities with multi-currency named virtual accounts, enabling instant cross-border payments that settle in minutes rather than T+2/T+3 banking cycles.

Global Payments API

Lumx Global Payments connects local payment rails (PIX in Brazil, ACH in the US, SEPA in Europe, SWIFT internationally) with stablecoin settlement layers (USDC/USDT). Businesses can accept local currency payments (pay-ins) and send payouts globally through a unified REST API, 24/7 without banking hour restrictions.

Key capabilities include real-time transaction tracking with webhooks, automated regulatory compliance across jurisdictions, multi-currency FX conversion at real-time rates, and transaction costs up to 90% lower than traditional correspondent banking networks.

Named Virtual Accounts

Lumx issues dedicated virtual accounts with real banking identifiers — IBANs (SEPA/EUR), ACH routing numbers (USD), PIX keys (BRL), MXN and other currencies — under the business or customer's own name as account holder. This provides full payment identity control without generic provider branding.

Accounts are provisioned instantly via API or dashboard. Businesses manage multi-currency balances (USD, EUR, BRL, USDC, and others) from a single consolidated interface, with real-time webhooks for ERP and billing system integrations.

Target Use Cases

• Trading companies and importers settling international invoices in minutes
• PSPs, payroll platforms, and marketplaces processing pay-ins and payouts at scale
• Crypto exchanges and FX brokers using instant fiat on/off-ramps
• Neobanks and fintechs issuing named accounts for end customers
• Businesses managing multi-currency treasury operations across jurisdictions

Integration

Delivered via REST API with pre-built code snippets, comprehensive documentation, and a dedicated solutions engineering team. Integration typically takes under a week.