Lumenianow

Hey, I’ve got a message for you.

The Lumenia messenger, holding an envelope
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Nothing to set up.

Money home, in a link.

Send money by link. They tap it and it’s theirs — no wallet, no seed phrase, no app. Held 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 waits on a public ledger the moment the link is made — tapping it just hands it to you.

“What if it gets lost — is it safe?”

It sits in escrow only you can open — or the sender, after seven days. Every transfer is publicly checkable, and we never hold it.

One pair of hands passing a softly glowing light into another pair, across a table at home

The moment

It’s already theirs.

Someone you love taps the link — and the money is simply there, in their hands.

No form to fillNo account to makeNo wait

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 creating anything.

It’s theirs.

They claim it with their face or a password. Receiving is free. Done.

See a real transfer, verified →

Proof, not promises

Don’t take our word for it.

Every transfer is written to Stellar — a public ledger no single company controls. We can’t hide it, freeze it, or quietly change it. Open any transfer and check it yourself.

Backed by the Stellar Community Fund
Public receiptStellar · test network

20 USDC landed in a brand-new account holding 0 XLM — claimed walletless, no gas paid by the recipient.

txb9ef1844…c3e23746
Verify on Stellar

The honest answer

Where is my money, exactly?

Fair question. Four facts, then anything else you want to ask.

Publicly verifiable
A shield of soft periwinkle light around a calm centre — your money, held safe in escrow

Not with us.

Your money moves into escrow on a public ledger the moment you send. We never hold it — so we can’t lend it, invest it, or lose it.

Only two people can move it.

Your recipient can claim it. If they don’t within 7 days, you take it back. Nobody else — including us.

Every claim is checkable.

Each transfer is a public record. Don’t believe this page — open it and verify it yourself.

Not a bank.

No deposits, no interest, no account with our name on it. We move money from you to someone you love, then get out of the way.

Questions

See it for yourself.

The demo mints a real money link — no wallet, no signup, no gas. Or join the waitlist and we’ll tell you the moment it’s live for real.