Lumenia is not a bank and doesn't want to be one. We don't take deposits, we don't pay interest, and your money is never sitting in an account with our name on it.
Because we never hold your money, there's nothing for us to freeze, lose, or lend. If Lumenia disappeared tomorrow, your money wouldn't — it lives on a public ledger under your recipient's control, or yours for unclaimed links.
We're a way to move money from you to someone you love, and then we get out of the way.