nowHey, I’ve got a message for you.
Nothing to set up.
Money home, in a link.
Paste a link into a chat. They tap it, and the money is theirs. No wallet to make, nothing to download. It waits in dollars until they need it.
The part that scares people
Four walls. We take them down.
“I don’t even have a wallet. How would I receive it?”
You don’t need one. Tap the link and the money is already there. No wallet, not now, not ever.
“What if I lose the twelve words?”
There are no twelve words. You claim with your face or a password you choose. Nothing to write down, nothing to lose.
“I tap a link and money appears? That isn’t real.”
It’s real. The money is set aside the moment the link is made. Tapping it hands it to you.
“What if it gets lost? Is it safe?”
Only you can open it , or it comes back to the sender after seven days. Every transfer is public to check, and your money is never ours.
The difference
You send. They just tap.
Everywhere else, the person receiving does the hard part. Lumenia takes all of that off them. Send a link, they tap it, and the dollars are theirs. Nothing to set up, and receiving is free.
- What they'd need anywhere else
- An app to install
- An account to open
- A secret phrase to keep safe
- Coins to buy first
- None of it. They open a link.
The moment
It’s already theirs.
Someone you love taps the link, and the money is right there in their hands. What you sent is what they get.
How it works
A transfer, start to finish.
You send a link.
Choose an amount and share it in a chat, like anything else. That’s the whole transfer.
They tap it.
Your recipient sees the money the moment they tap, before they've made anything.
It’s theirs.
They claim it with their face or a password. Receiving is free. Done.
Proof, not promises
Don’t take our word for it.
Every transfer is written to Stellar, a public ledger no single company owns. We can’t hide it or quietly change it. Open any transfer and check it against the record yourself.
Funded by Stellar Instawards, via the Stellar Türkiye chapter20 USDC landed in a brand-new account holding 0 XLM. It was claimed walletless, and the recipient paid no gas.
The honest answer
Where is my money, exactly?
Fair question. Four facts, then anything else you want to ask.
Publicly verifiable
Not with us.
Your money moves into escrow the moment you send. We never hold it, so we can’t lend it or lose it.
Only two people can move it.
Your recipient can claim it. If they don’t within 7 days, it comes back to you. Nobody else can touch it, including us.
Every claim is checkable.
Each transfer is a public record. Don’t believe this page? Open it and check for yourself.
Not a bank.
No accounts, no balance we control, nothing with our name on it. We move money from you to someone you love, then step out of the way.
Questions
See it for yourself.
Send yourself a real money link. No wallet, no signup, and we cover the network cost for you. Or join the waitlist and we’ll tell you the moment it’s live for real.