Wallets · Ledger · Payouts
Money infrastructure, built to be integrated
LumoWallet is a standalone wallet and payment platform. Any approved application can connect through its API, OAuth and webhooks — no business logic baked into the core.
Double-entry
Ledger accuracy
99.95%
API uptime target
Same day
Settlement
Immutable
Audit trail
Why LumoWallet
A core that every product can build on
Balances, accounting, movement and controls — exposed through one consistent API.
Double-entry ledger
Balances are derived from immutable debit and credit entries — never editable numbers.
Transaction engine
Deposits, withdrawals, transfers, payments, refunds and payouts all flow through one core.
Developer API
API keys, OAuth, scopes, webhooks and a full sandbox for any external platform.
Security by design
Idempotency, audit logs, risk checks and configurable KYC tiers built into the core.
Supported currencies (configurable)
- USD
- EUR
- GBP
- NGN
- KES
- GHS
- ZAR
- CAD
Start in the sandbox today
Same ledger, same rules, simulated money. Promote your integration when you're ready.