Knowledge base
Search the guides below, or browse by product. Every guide links straight to the detail, so you go from a question to the answer in one step.
Find the right guide
The same Personal and Business products you see in the menu, each with the questions people ask most.
Personal
Swaps
Exchange one supported crypto asset for another without leaving Lumo Wallet.
- What a swap costs: a flat 0.4% plus the network fee
- Choosing the two assets and reading the amount
- Why a quote can change before you confirm
Lumo cards
Spend your crypto like cash, online and in store, with the Lumo Basic card or Lumo Pro card.
- Basic and Pro cards
- Topping the card up from your crypto
- Apple Pay, Google Pay and card statements
Buy and sell
Buy crypto with traditional payment methods, or cash out to your bank.
- Fees from 1.0%, depending on the provider
- Why the available providers depend on your region
- How long a bank payout usually takes
Staking
Earn rewards on ETH, SOL and ADA by taking part in network validation, with Everstake.
- Rates are variable and shown in the app
- Unstaking periods and when funds are available
- Why rates are variable, not guaranteed
Pulse
Your voice assistant in Lumo Wallet. Say "Hey Pulse" to check balances and get things done.
- Turning on "Hey Pulse"
- What you can ask Pulse to do
- Pulse for Business sales insights
Business
Lumo Crypto Checkout
Accept crypto on your website, with payments settling into your own wallet.
- 0% processing fee and a 1.5% withdrawal fee
- Withdraw any time or on a schedule to your own wallet
- Approved within 24 working hours
Lumo Card Checkout
Take debit and credit cards alongside crypto. Card funds are held by a regulated payments partner until paid out.
- Applying in the app: KYC approval within 48 working hours
- Refunds, payouts and adding funds by bank transfer
- Card payment on invoices and plugins, automatically
Invoicing
Create professional invoices your customers can pay in crypto, or by card with Lumo Card Checkout.
- Creating an invoice and sharing the payment link
- What the customer sees when they pay
- Tracking payment status with webhooks
Lumo POS
A handheld in-store terminal. Your customer scans a code made in Lumo Business.
- Pre-orders January 2027, ships April 2027
- The same economics as Lumo Crypto Checkout
- How the scan and confirm flow works
Developers and API
API documentation, official plugins, SDKs and webhook callbacks.
- Authentication and your lk_ API key
- 13 official plugins and SDKs
- Handling webhook callbacks reliably
Wallet and account
Getting started
Set up the wallet, understand self-custody and keep your recovery phrase safe.
- Creating a wallet and saving your recovery phrase
- Signing up with Google, Apple or Telegram
- Restoring a wallet on a new device
Supported assets
Which coins and networks Lumo Wallet supports today, across 17+ networks.
- Checking whether an asset is supported
- Which networks each asset uses
- Why availability can change
Fees and pricing
Every published fee across the wallet, cards, buying and selling, and business tools.
- Where each fee applies
- Why network fees change with congestion
- Reading the final amount before confirming
Support and tickets
Reach the team, raise a ticket or book time with the business team.
- Raising a support ticket
- What to include so we can help faster
- Business and partnership enquiries
Compliance and policies
Our AML approach, terms, privacy and risk disclosure.
- How Lumo works with regulated partners
- Privacy and what data is handled
- Risk disclosure for digital assets
No guides match that search
Try a product name such as "swap", "card" or "invoice". Contact support
More features, quick answers
Short guides for the features that live inside the app.
What is Lumo Markets?
Can I borrow against my crypto?
How does the NFT marketplace work?
What are Lumo Handles?
Can I use a Ledger or Trezor?
Does Lumo Wallet support WalletConnect?
How do I log in to Lumo Business on desktop?
How long does Lumo Business approval take?
Talk to a human.
If a guide did not answer your question, chat to a live agent or raise a ticket and the support team will pick it up.
Contact supportYour crypto is non-custodial: you hold your own keys. Lumo Card Checkout for businesses is custodial, with card funds held by a regulated payments partner until paid out. Buying, selling and card services are provided by regulated partners, and their availability and fees vary by region. Always check the live detail in the app before you confirm.
Download Lumo Wallet today.
Your keys, your money, on every device you carry.
