About
Lumo Wallet.

Lumo Wallet began with a simple question. Why does it still feel so hard to be in charge of your own money?

For most people, money lives somewhere else. In a bank that decides when you can move it. On an exchange that asks you to trust it with everything. In a dozen apps that each hold a small piece of your life. It works, until the day it does not, and then you find out how little of it was ever really yours.

We wanted to change that. We set out to build one place where you hold your own keys, and where that freedom never costs you simplicity. A wallet where you can send crypto to a friend by name, pay for a coffee with a card that spends straight from your wallet, earn on what you already hold, and simply ask Pulse when you need a hand.

Then we thought about the people who build things. The shop owner, the freelancer, the founder with customers all over the world. They deserve the same control. So Lumo Business sits right beside your personal wallet, with checkout, invoicing and payouts, all in the same app and all under your control.

Every decision we make starts with one question: does this give people more control, or less? It is why your keys are created and encrypted on your device and never leave it. It is why we tell you plainly when a service is custodial. And it is why we keep making Lumo simpler, so that control feels like freedom, not like work.

We launched on 1 July 2026, and this is only the beginning. Thank you for trusting us with something that matters so much. We will keep earning that trust, every single day.