How it works
Lumens eliminates the boundary between conversation and transaction. Here's how.
Sign up with your phone number. Tiered KYC: Tier 1 requires only your SA ID or Ghana Card — takes under 2 minutes via Smile Identity. Tier 2 (higher limits) adds a biometric selfie. No paperwork.
Top up via bank EFT or card (Paystack SA), or MoMo (Ghana: MTN, Telecel, AirtelTigo via Zeepay). Deposit crypto directly to your non-custodial Stellar wallet. Your virtual card is live the moment your ZAR balance is positive.
Open a chat with any Lumens contact. Tap 'Pay' inline — select ZAR, XLM, or USDC. For cross-border, the app converts via Stellar in real-time and the recipient gets local currency (GHS, RWF) to their MoMo wallet in under 60 seconds.
Every transaction auto-categorized by AI. Budget by category. Track crypto portfolio value in ZAR equivalent. Swap assets on the Stellar DEX. Export statements for tax or compliance.