Your crypto. Your control.
Your everyday wallet.
Lumo Wallet puts you fully in control of your digital assets. Self-custody security, a debit card you can spend anywhere, instant swaps, staking rewards, and PulseAI — all in one beautifully simple app.
Built for everyday crypto users
From storing and sending to spending and earning — Lumo Wallet covers every part of your crypto life without compromising on security or simplicity.
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 and spend freely — no extra steps. Subject to partner limits and verification.
Swaps
Swap crypto inside Lumo Wallet with a fast, smooth, and fully compliant experience. 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.
Fast Settlements
Receive crypto quickly and access your money without typical multi-day clearing delays. Designed for a seamless everyday experience.
Lumo Earn (Staking)
Put your crypto to work. Access staking directly inside Lumo Wallet and earn variable rewards on supported assets — no technical setup needed.
PulseAI
Your intelligent wallet assistant. Smart guidance, real-time insights and personalised recommendations — woven through every part of the Lumo experience. Coming soon.
Google Pay & Apple Pay
Your Lumo Debit Card works with Google Pay and Apple Pay out of the box. Tap to pay from day one — at millions of locations worldwide.
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.
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
Put your crypto to work.
Lumo Earn gives you access to staking directly inside your wallet. No complex setup, no leaving the app — just stake supported assets and earn variable rewards on-chain.
In-App Staking
Access staking for supported assets without leaving Lumo Wallet. Simple, fast, and non-custodial.
Variable Rewards
Earn rewards based on network conditions and asset performance. Rates are transparent and updated in real time.
Stay in Control
You retain custody of your staked assets. Unstake at any time — subject to network unbonding periods.
Staking involves risks including market volatility, validator downtime, slashing events, and blockchain-related failures. Estimated rewards are not guaranteed. Availability may vary by jurisdiction and asset.
Lumo Earn — Estimated APY
3–5%
est. APY
5–7%
est. APY
3–4%
est. APY
10–14%
est. APY
Rates are variable and for illustration only. Not financial advice.
Up and running in minutes.
No complicated setup. No technical knowledge required. Just download, fund, and start using your crypto the way it was always meant to be used.
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.
Get Your Debit Card
Apply for the Lumo Debit Card, top it up with USDC or via your Lumo IBAN, and start spending at millions of locations worldwide.
Swap, Stake & Earn
Swap between crypto assets instantly or stake supported tokens to earn variable rewards — all without leaving the app.
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.
Ready to take control of your crypto?
Join thousands of users on the waitlist. Lumo Wallet launches 1st July 2026.
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.