Money still moves like it’s 1973. Files, batches, cut-off times, and a quiet industry consensus that two business days is a law of nature.
We build the version where money moves like data — observable, instant, and exactly where the ledger says it is.
Boring is a feature.
Payment infrastructure should be the least interesting part of your week. We optimize for the absence of surprises, then for everything else.
Publish the number.
Rates, margins, uptime, criteria. If we can’t put a number on a public page, we treat that as a bug in the product, not in the marketing.
The ledger is the truth.
Every product is a view over one double-entry ledger. If the books and the money can disagree, the design is wrong.
Four milestones.
Founded in Helsinki
Three founders from banking infrastructure and one conviction: settlement speed is a product decision.
First charge in production
A €14 pour-over at a Kallio coffee shop. It settled in 1.9 seconds. We’ve since shaved 700 milliseconds.
€1B processed, instant payouts launch
The payout rail opened to all plans, and instant cash-out became our customers’ most-shipped feature.
EMI license, 135 currencies
Licensed as an e-money institution in the EEA. Customer funds safeguarded at central-bank-eligible institutions.
The team.
41 people across Helsinki, Amsterdam, and remote. These are the ones who agreed to be on the website.
Press, partnerships, or the security packet: press@lumina.dev
Lumina Financial Technologies Oy · Helsinki · EMI license FIN-2026-0114Work on the boring, important thing.
We hire engineers who think double-entry bookkeeping is beautiful. You know who you are.