Built on Lumina.
Marketplaces, SaaS platforms, and creator businesses that stopped thinking about money movement.
€4.2B processed in the last twelve months across 31 countries
Four vendors became one API.
Mosaic ran a gateway for checkout, a payout provider for sellers, a bank for FX, and a nightly script to stitch the three together. Migrating to Lumina collapsed the stack — and the reconciliation job that broke every month-end went away entirely.
“We replaced four payment vendors with one API. Our finance team noticed before our engineers did.”
Maya Lindqvist · CFO
Payouts became the product.
Driftloop’s creators used to wait three days to get paid — their single most common support ticket. On Lumina’s instant rails, payout time dropped to seconds, and “instant cash out” became the feature their competitors now advertise against.
“Cash-out speed shows up in our retention curves. We can see the Lumina migration in the cohort data.”
Tomas Reyes · Head of Product
FX stopped being a line item.
Northwind pays hotels in 31 currencies and was losing 1.2% on every conversion through their bank — with rates that mysteriously worsened at quarter-end. Lumina’s fixed 25 bps margin made FX cost a constant they could put in the booking price.
“Our bank’s spread was a tax on growth. Now FX is just a number in a config file.”
Imogen Hart · VP Finance
Whatever shape your money takes.
“The sandbox behaved exactly like production. That alone put them ahead of everyone we evaluated.”
Elif Demir · Staff Engineer, Parcelform
“We close our books on the first of the month now. I didn’t believe finance when they told me.”
Jonas Müller · CEO, Stadtgarten
“Support answered with a code sample in 11 minutes. On a Sunday.”
Priya Raman · CTO, Loopwell
Your stack could be this quiet.
Tell us how your money moves. We’ll map it to the API in one call.