Product

One money core for wallets, ledgers and movement

LumoWallet handles balances, accounting and payment flows so the products you build on top of it stay focused on their own business logic.

Core platform

Everything a wallet needs, nothing it doesn't

Each capability is configuration-driven, so currencies, fees and limits change without a deploy.

Every account can hold balances in any enabled currency, each with its own minor-unit precision.

Balances are derived from paired debit and credit entries. Nothing is ever overwritten.

Deposits, withdrawals, transfers, payments, refunds and reversals share one idempotent core.

Route money out through configurable payout rails with retry, reconciliation and status tracking.

Fee schedules, velocity limits and split rules are configuration — never hard-coded logic.

Quote, lock and execute currency conversions with the rate captured on the ledger entry.

Trust & compliance

Compliance is part of the transaction path, not a report generated after the fact.

Verification tiers unlock higher limits, each with its own document and data requirements.

Rule-based screening on every transaction, with holds, reviews and case outcomes recorded.

Every state change is written to an append-only audit log with actor, reason and timestamp.