LumoxMoney received
Completed+ ₦218,450
2 min ago
Lumox Pay
Banking & Payments Built for Everyday Money Movement
Lumox Pay Makes Digital Payments Simple, Fast, and Reliable
Lumox Pay helps individuals, merchants, and businesses manage wallets, transfers, bills, and payments from one secure digital platform. Send, receive, manage, and track money seamlessly through wallets, payments, transfers, bills, and future stablecoin-enabled settlement features.
Built for individuals, merchants, and growing businesses.
Lumox Pay
Wallet balance
₦2,847,320.00
Available for transfer & bills
Send
Bills
Airtime
Merchant payments
12 settled today
Recent transactions
View all- ₦45,000
Transfer successful
Completed
- +₦128,500
Money received
Settled
- ₦12,400
Bills payment
Paid
Live activity
Sample transaction patterns you can expect on Lumox Pay—illustrative only.
Transfer successful
Sent− ₦45,000
8 min ago
Savings deposit
Posted+ ₦25,000
Today
Savings ROI credited
Earned+ ₦3,240
Overnight
Netflix subscription due in 2 days
Reminder₦4,400
Mar 02
Monthly expenses summary available
Insights—
Weekly
Card payment
Cleared− ₦12,800
Lunch
Merchant payment
Settled+ ₦67,200
Today
Money received
Completed+ ₦218,450
2 min ago
Transfer successful
Sent− ₦45,000
8 min ago
Savings deposit
Posted+ ₦25,000
Today
Savings ROI credited
Earned+ ₦3,240
Overnight
Netflix subscription due in 2 days
Reminder₦4,400
Mar 02
Monthly expenses summary available
Insights—
Weekly
Card payment
Cleared− ₦12,800
Lunch
Merchant payment
Settled+ ₦67,200
Today
Airtime purchase
Success₦2,000
12 min ago
Subscription charge
Charged₦900 · Spotify
Autopay
Subscription renewal reminder
Prime₦2,300
Soon
Expense summary · food
Grouped₦48,620
Weekly
Spending analytics notification
AlertBudget
Realtime
Card spending exceeded weekly budget
Heads-up+12%
Rolling 7d
Rider settlement
Paid out₦24,500
14:02
Business payout
Processing₦1,250,000
13:48
USDT conversion
Coming soon—
—
Wallet funded
Credited+ ₦500,000
Yesterday
Bills payment
Paid₦18,920
Today
Airtime purchase
Success₦2,000
12 min ago
Subscription charge
Charged₦900 · Spotify
Autopay
Subscription renewal reminder
Prime₦2,300
Soon
Expense summary · food
Grouped₦48,620
Weekly
Spending analytics notification
AlertBudget
Realtime
Card spending exceeded weekly budget
Heads-up+12%
Rolling 7d
Rider settlement
Paid out₦24,500
14:02
Business payout
Processing₦1,250,000
13:48
USDT conversion
Coming soon—
—
Wallet funded
Credited+ ₦500,000
Yesterday
Bills payment
Paid₦18,920
Today
Everything you need to move money smarter
Wallets, transfers, bills, savings, subscriptions, and spend intelligence—designed for clarity at every step.
Digital Wallets
Create and manage secure wallets for personal and business use.
Instant Transfers
Send and receive money quickly with simple, reliable payment flows.
Bills & Airtime
Pay bills, buy airtime, and manage everyday payments in one place.
Merchant Payments
Accept and track payments for business transactions.
Transaction Tracking
Monitor balances, payments, and financial activity in real time.
Future Stablecoin Support
Preparing for crypto-to-fiat and stablecoin-enabled settlements through trusted partners.
Savings with ROI
Flexible tenors, competitive ROI, and transparent savings growth—earn on balances while keeping liquidity in view.
Subscription Tracking
Timely renewal alerts, upcoming charge visibility, and subscription load surfaced next to your card activity.
Spending Analytics
Weekly, monthly, and yearly views with category splits and trend lines designed for fast decisions.
Expense Insights
Narrative highlights on top categories, subscription totals, and pacing against your own budgets—illustrative patterns only.
Save Today, Earn Tomorrow
Build your future with Lumox Savings and earn competitive returns while keeping your funds secure and accessible.
- Flexible savings plans
- Competitive ROI rates
- Savings tracking
- Transparent earnings overview
- Automated savings support (future-ready)
Returns depend on product rules, tenor, and market conditions—never guaranteed. What you see is always explained before you commit.
Lumox Savings
Flexible plans · competitive ROI
Savings balance
₦847,620
Transparent growth view · projected yield varies by tenor
Portfolio ROI
12.4%
Annualized · illustrative
Earnings trend
6 monthsAugSepOctNovDecJan
This month's saves
₦45,000
72% goalInterest earned
+ ₦18,942
Credited · illustrative
ROI depends on selected plans, market-linked rates, and policy—always shown transparently before you save. No guaranteed yields.
Track Your Card Expenses Smarter
Get timely notifications for subscriptions, upcoming renewals, and spending insights directly from your card activity.
- Subscription reminders
- Upcoming charge alerts
- Weekly spending reports
- Monthly spending analysis
- Yearly expense insights
- Expense categorization
- Card analytics dashboard
Linked-card features roll out by issuer and region; examples shown are illustrative.
Cards & subscriptions
Linked spend · illustrative
- N
Netflix
Renewal in 2 days₦4,400Due · Mar 02Due soon - S
Spotify
Renewal tracked₦900Due · Mar 05Active - A
Amazon Prime
Renewal tracked₦2,300Due · Mar 08Active - A
Apple Music
Renewal tracked₦800Due · Mar 11Active - Y
YouTube Premium
Renewal tracked₦1,200Due · Mar 14Active
Push reminders for renewals optional · spending shown for visibility only on supported cards.
See spending in weekly, monthly, and yearly context
Donut splits, trend bars, and highlights for total spend, category leaders, and subscription load—built for a premium banking-style review.
Card expense analytics
Weekly · monthly · yearly
Illustrative split
Shopping
28%
Donut breakdown
- Shopping28%
- Food22%
- Transport12%
- Bills15%
- Entertainment10%
- Subscriptions8%
- Utilities5%
Monthly expenses
₦847,200
Compared to prior month · illustrativeSubscription totals · 30d
₦9,240
Rolling sum · illustrative
Spending rhythm
Trend · illustrativeExpense insights
Highlights surface top categories and subscription load—patterns update as you link transactions.
Built for real users and real businesses
Individuals
Everyday transfers, wallet funding, airtime, bills, and money management.
Merchants
Receiving payments, tracking sales, and managing business funds.
Businesses
Payouts, settlements, and organized financial operations.
Logistics Operators
Payment settlements and reconciliation powered by Lumox Pay.
How Lumox Pay works
Three clear steps—from signup to ongoing visibility.
1
Create your wallet
Users sign up and get access to a secure Lumox Pay wallet.
2
Move money easily
Send, receive, pay bills, and manage transactions in one place.
3
Track everything
Get clear transaction history, balances, and payment insights.
Payment tools for growing businesses
Collections, payouts, settlements, and auditable records—centralized instead of fragmented.
Lumox Pay gives businesses a simple way to manage collections, payouts, settlements, and transaction records from one platform.
Business overview
Acme Retail Ltd
Total inflow
₦8.42M
Collections (30d)
Total outflow
₦3.91M
Payouts (30d)
Pending settlements
₦472,600Scheduled for batch release
Recent payments
- ₦84,200
POS settlement
16:12
- ₦210,000
Vendor payout
15:40
- ₦32,450
Wallet collection
14:55
Payout activity · 6 scheduled
Part of the wider Lumox ecosystem
Lumox Pay is the financial layer of the Lumox ecosystem. As the ecosystem grows, Lumox Logistics will provide infrastructure for logistics companies, merchants, and operators, while Lumox Pay powers payments, settlements, and financial reconciliation.
Built with security and reliability in mind
We focus on engineering discipline and transparent operations—without overstating certifications we have not completed.
Secure wallet infrastructure
Separation of concerns and hardened flows designed for production-grade money movement.
Transaction monitoring
Visibility into activity so teams can spot anomalies and resolve issues quickly.
Reliable payment records
Consistent ledgers that support reconciliation across teams and counterparties.
Scalable backend architecture
Built to grow from early pilots to high-volume payouts and collections.
Compliance-ready design
Structured for responsible expansion as jurisdictional rules and partnerships evolve.
FAQ
Straight answers about Lumox Pay and the broader ecosystem.
Lumox Pay is a modern digital banking and payments platform built for individuals, merchants, and businesses. It helps you send, receive, manage, and track money through wallets, transfers, bills, merchant payments—and future settlement capabilities backed by trusted partners.
Join the future of digital payments with Lumox Pay
Be among the first to experience a smarter way to send, receive, and manage money.
Join WaitlistGet launch updates
Product milestones, pilot availability, and partnership notes—no spam.