Your AI Powered, Non-Custodial Crypto Wallet
Built for the Future of Payments
Simple, secure, and built for the future of digital finance. Full ownership, Lumo Debit Card powered by a licensed issuer with fast onboarding, minimal steps and privacy focussed, zero fees for merchants, and fast settlements.
Built for the future of payments
Everything you need to own, spend, and accept crypto — without compromising on security or convenience.
True Self-Custody
Your private keys never leave your device. No intermediaries, no custodians. You are the only one who controls your assets.
Lumo Debit Card
Spend your crypto anywhere with the Lumo Debit Card powered by our licensed partner issuer. Simply top-up your card and spend freely — no extra steps. Subject to partner limits and verification.
Fast Settlements
Designed for a fast experience. Receive payments quickly and access your money without the typical multi-day clearing delays.
Powered by PulseAI
Your intelligent wallet assistant. Smart guidance, real-time insights and personalised recommendations — woven through every part of the Lumo experience.
Swaps
Swap crypto in Lumo Wallet with a fast, smooth, and fully compliant experience. Enjoy transparent rates, reliable execution, and full control of your funds every step of the way.
Borderless Payments
Send and receive crypto across borders with minimal friction. No currency conversion delays. Subject to partner limits and verification.
Lumo POS
A purpose-built countertop device for physical retail. Accept crypto in-store with zero processing fees and instant settlement — no card networks required. Coming soon.
PulseAI
Lumo's built-in AI layer — woven through the wallet, business tools and POS. Smart guidance, real-time insights and personalised recommendations to make crypto simpler every day. Coming soon.
Compliance & Trust
Simple, secure, and built for the future of digital finance. Lumo Wallet works alongside regulated partners to deliver secure and compliant financial services, committed to transparency, user protection, and responsible innovation.
Spend your crypto. Anywhere.
The Lumo Debit Card, powered by our licensed partnering issuer, turns your crypto into everyday spending power. With fast onboarding, minimal steps and privacy focussed. Subject to partner limits and verification.
Topup your Lumo Debit Card
Topup your Lumo Debit Card with USDC or by sending money to your Personal Lumo Wallet IBAN.
Fast Conversion
Your crypto converts to fiat at the point of sale. Designed for a smooth experience with no pre-loading required.
Google Pay & Apple Pay
Use your Lumo card with Google Pay and Apple Pay. Tap to pay from day one.
Fast Onboarding & Privacy Focussed
Get your card with fast onboarding, minimal steps and privacy focussed. Your data stays yours.
Accept crypto. Keep everything.
Traditional payment processors take 2-3% of every sale. Credit card chargebacks cost you even more. With Lumo, you accept crypto payments directly on your website — no intermediaries, no fees, no friction.
Get Early Access for Your BusinessKeep every dollar. No processing fees eating into your margins.
Designed for a fast experience. Funds arrive quickly once a transaction confirms on-chain.
Start accepting crypto in minutes. Streamlined setup with minimal paperwork.
Accept payments from customers anywhere in the world, 24/7. Subject to partner limits and verification.
Lumo POS
A purpose-built countertop device that brings the Lumo experience into physical retail — pay with crypto, settle instantly, no card networks required.
0% Processing Fees
Accept crypto in-store with zero payment processing fees. Keep every penny of every sale.
Instant Settlements
Payments settle directly into your Lumo Business Wallet — no card networks, no multi-day clearing delays.
Purpose-Built Hardware
A premium countertop device designed for physical retail — bringing the Lumo experience into your store.
PulseAI Integrated
Lumo POS comes with PulseAI built in — surfacing revenue insights, transaction summaries and smart alerts for your business.
Meet PulseAI
PulseAI is Lumo's built-in AI layer — designed to make crypto simpler, safer and more practical for everyday users and businesses. Not a chatbot bolted on, but an assistant woven through the wallet, business tools and future POS.
Smart Transaction Guidance
Plain-language explanations for fees, networks, addresses and swaps — with risk warnings before you confirm.
Real-Time Wallet Insights
Balances, spending summaries, asset tracking and revenue trends translated from raw on-chain data into something readable.
AI-Powered Assistance
Top-up reminders, fee optimisation, budgeting cues and personalised recommendations across consumer and business flows.
Embedded Everywhere
Contextual help inside Lumo Wallet, Lumo Business, the upcoming POS and the debit card experience — not a separate app.
Wallet Insight
Your ETH balance is up 12% this week
Fee Alert
Network fees are low — good time to swap
Reminder
Top up your Lumo Debit before travel
Simple by design. Powerful by nature.
For Individuals
Download Lumo
Get the app and create your wallet in seconds. Your private keys are generated on your device and never shared.
Fund Your Wallet
Transfer crypto from any exchange or wallet. Lumo supports multiple chains and tokens.
Spend Anywhere
Top up your Lumo Debit Card, powered by a licensed issuer, with crypto and spend at millions of locations worldwide.
For Businesses
Add Lumo to Your Site
Install the Lumo Wallet Plugins and link with your secret key, from your Lumo Wallet dashboard, and you're good to start accepting crypto on your checkout.
Accept Crypto Payments
Customers pay with crypto directly. No chargebacks, no disputes, no middlemen.
Get Paid Fast
Funds arrive in your wallet once a transaction confirms on-chain. Designed for a fast experience with no multi-day holds.
Learn. Understand. Own.
Insights on non-custodial crypto wallets, self-custody, and the future of decentralized finance — written for everyone.
What Is Lumo Wallet? Complete Guide to the Non-Custodial Crypto Wallet (2027)
Everything Lumo Wallet offers — self-custody, swaps, on-ramps, Visa spending, business payments, PulseAI, and Lumo POS. The full picture in one guide.
What Is a Crypto POS System? The Complete Guide for Businesses (2027)
A crypto point of sale system lets businesses accept cryptocurrency payments with 0% fees, no KYB, and instant payouts. Here's everything you need to know.
PulseAI: The AI Crypto Assistant Built Into Lumo Wallet
PulseAI gives you real-time portfolio insights, smart alerts, and plain-language explanations of your crypto activity — built in at no extra cost.
Join us on Discord & Telegram
Be part of the Lumo community. Get the latest updates, connect with the team, and join the conversation about the future of decentralized finance.
Be first in line.
Simple, secure, and built for the future of digital finance. Join the waitlist to get early access and be among the first to experience the future of crypto payments.