PART 01 · OUR LUMO EXPERIENCE
One wallet.
A complete ecosystem.
Built by our team across app, backend, integrations and operations.
Practical delivery experience across the full wallet lifecycle.
One wallet.
LUMO · SYSTEM OVERVIEW
The complete picture.
Every layer has a role.
Logical architecture: the backend is a service inside the server, not a separate custody layer.
Private keys and recovery phrases stay on the device. Provider card and payment services have their own processing boundaries.
LUMO · APP ARCHITECTURE
The app owns
the signing experience.
The backend supports the journey. The user’s device controls wallet signing.
Device-backed storage support varies by platform; signing keys may be decrypted locally for signing. No backend custody.
LUMO · BACKEND ARCHITECTURE
One coordination layer.
Clear responsibilities.
The API connects wallet users to data, application services and external providers.
The backend never needs the user’s private key. Wallet and admin sessions are separate.
LUMO · SEND & RECEIVE CRYPTO
From your wallet.
To theirs. With confidence.
Send crypto to any compatible wallet address—or receive with an address and QR code. Every transfer stays under the user’s control.
SENDER · LUMO APP
Your wallet
Choose asset & network
Enter address or scan QR
Review → approve → sign locally
BLOCKCHAIN NETWORK
Transfer & confirmation
Signed transaction is broadcast
Network confirms the transfer
RECIPIENT · COMPATIBLE WALLET
Their wallet
Crypto arrives on the
selected blockchain network
Recipient does not need Lumo
Signed transaction→
On-chain delivery→
Built-in checks: valid destination · correct network · sufficient funds including fees · confirmation before signing. Some chains require a destination tag or memo.
LUMO · CHANGENOW SWAP FLOW
From one asset
to another.
ChangeNOW is the third-party swap provider. The app remains responsible for wallet approval and signing.
Flow is a logical integration view. Swap execution uses the provider’s route and settlement conditions.
LUMO · ON / OFF-RAMP FLOW
Connect fiat payments
to a self-custodial wallet.
MoonPay and Stripe are third-party integrations; eligible purchase, sale and payout routes depend on the provider.
Provider status returns to the app through the integration. Stripe is not presented as a universal off-ramp.
LUMO · INTERLACE CARD FLOW
A spending layer.
Connected to the wallet.
Interlace supplies the virtual-card service. Lumo presents the card experience.
Lumo’s SRS separates wallet credentials on-device from card data handled by the third-party provider.
LUMO · MERCHANT EXPERIENCE
From payment request
to visible payment status.
A business workflow connected to the customer’s crypto payment journey.
Wallet support and merchant-plugin asset/network scope are distinct.
LUMO · AI SUPPORT & CRITICAL-ACTION ALERTS
Helpful AI.
A precise scope.
Lumo’s AI was for support chat and alerts when a critical action was detected.
Lumo’s AI did not execute natural-language transfers or swaps. A transactional AI wallet is proposed separately for your product.
LUMO · DEVOPS ARCHITECTURE
A narrow public surface.
Restricted data access.
Reported Lumo hosting and access controls.
No other publicly open server ports reported. For the client release: validate encrypted transport, origin restrictions and operational access.
LUMO · ADMIN & AUTHENTICATION
Operational control.
Separate from wallet custody.
Administrators manage application services and commercial settings.
Admin access does not expose user recovery phrases or grant wallet signing access.
PART 02 · OUR SOLUTION FOR YOU
Your vision.
An experienced delivery partner.
Bring your conversational wallet to market with practical experience across self-custody, multi-chain transactions and provider integrations.
Informed decisionsClear delivery ownershipFocused MVP execution
For your project, we bring hands-on wallet experience, end-to-end delivery ownership and a clear approach to building AI-assisted transactions with user approval.
OUR SOLUTION FOR YOU · AI TRANSACTION FLOW
Natural conversation.
Confident user control.
Our solution makes everyday wallet tasks simpler while keeping you and your users in control of every transaction.
User trust is built into the flow: validate independently, show exact transaction details, require approval again if they change, and sign only on the device.
OUR SOLUTION FOR YOU · USER SAFEGUARDS
Earn trust.
Through predictable behavior.
We build clear safeguards into your wallet, so users know what happens next—even when a request is ambiguous, a quote changes or a provider is unavailable.
Release checks: wallet/recovery tests · chain-specific tests · adversarial AI tests · independent security review.
OUR DELIVERY APPROACH
A focused MVP.
A disciplined path to launch.
Agree the product boundaries, prove the core journeys, then release against defined security and operational checks.
Start together: confirm the launch chains, target devices, AI action scope and provider coverage. Then agree milestones, acceptance criteria and the independent security review.
PART 03 · SEE THE PRODUCT
See what we built.
Let’s shape what comes next.
Explore Lumo across platforms, then align on the scope and delivery plan for your wallet.
Lumo illustrates our wallet development experience. Our solution for you will be tailored to your launch markets, supported chains and target devices. Architecture diagrams show the intended service responsibilities; the final integration design and provider coverage will be agreed during project scoping.