Terms
The short, honest version. A full legal document comes with launch.
Two kinds of money live here, and the difference matters. Practice money is free, has no value, and exists only to show how receiving works. Real money is real: a small, invited pilot moves actual dollars, capped at $5 a transfer and $50 a day. The app tells you which one you are looking at, every time. If you were not invited to the pilot, everything you see is practice.
We are not a bank or a money-transfer business. Lumenia doesn't hold your money and cannot move it. It sits on a public ledger, released by a signature only you or the person holding your link can make. We provide the software that sets up accounts and covers network costs. We never take custody, we never touch cash or bank transfers, and we charge nothing.
A money link is like cash. Whoever holds the link can claim it. Keep it private and share it only with the person it's for. Once claimed, it's claimed.
Your password is yours alone. If you lock your money with a password and forget it, nobody can recover it, Lumenia included.
What we can see has its own page. The privacy page says plainly what a link carries, what the public ledger shows, and what our servers see and keep.
Getting dollars out is your own step. Turning dollars into your local currency happens at a licensed exchange or provider you choose and hold an account with. Lumenia does not do it for you, is not their agent, and never receives your local currency. Their rules, limits and waiting periods are theirs, not ours.
No guarantees yet. We build carefully and verify in public, but this is early software, provided as-is. It has not been reviewed by an outside security firm.