Compliance by default
Every feature is RBI/FEMA-aware from day one — not bolted on after the fact.
About Lumeo
The compliance layer for India's cross-border earners.
Your CA charges ₹15,000 a quarter to reconcile what Lumeo does instantly. We started Lumeo to close that gap — compliance that happens the moment money lands, not a quarter later when someone remembers to check.
₹15K
Saved per quarter vs. a CA retainer
29
Countries reached on testnet
<2s
Average settlement time
40,000+
Early-access signups
Mission
Compliance that happens automatically, not eventually.
Every Indian freelancer and exporter earning across borders is navigating the same broken workflow: payments arrive in foreign currency, a CA gets involved weeks later, filings are reconstructed from memory in March, and somewhere in the middle a FIRA request takes a week.
Lumeo replaces that entire chain. The moment a payment lands, it's reconciled, the FX spread is visible, your FIRA is generated, your GST and ITR are prepped, and your advance tax is ring-fenced.
What lands with the money
Auto-generated FIRA within 2 seconds of a payment landing
GST and ITR prep ready before filing season
FX spread made visible on every cross-border payment
Advance tax ring-fenced the moment a payment settles
Multi-currency, 29 countries reached on testnet
Built for solo freelancers and agencies alike
Principles
How we build.
Three rules that decide what ships and what doesn't.
Built for the real workflow
Designed around how Indian freelancers and exporters actually get paid — not how a generic ledger assumes.
Instant, not eventual
Filings and reconciliation happen the moment money lands. Not at quarter-end. Not when your CA gets to it.
Team
The people behind Lumeo.
Four builders who got tired of watching good work lose money to avoidable compliance friction.
Product · Strategy
Sohom Chatterjee
Founder & CEO
Leads product and engineering. Obsessed with removing the compliance lag between a payment landing and a freelancer actually knowing what they owe.
Operations · Payments
Rohit Kumar Kundu
Co-Founder & COO
Runs the day-to-day of moving money — payment partners, settlement timelines, and the operational discipline that keeps payouts predictable at scale.
Engineering · Compliance
Krishnendu Samanta
Co-Founder & CTO
Owns the platform end to end, from ledger architecture to the RBI/FEMA-aware filing engine behind auto-generated FIRAs, GST prep, and ITR filings.
AI · Product
Debojyoti Banerjee
Co-Founder & Chief AI & Product Officer
Shapes the product and the AI underneath it, turning dense compliance workflows into something that feels effortless to use.
Journey
How we got here.
- Nov 2024
Problem validated
Interviewed 60+ Indian freelancers and exporters. Every single one had the same CA lag problem.
- Jan 2025
First commit
Ledger core, Stellar integration, and FIRA auto-generation shipped to a private testnet.
- Apr 2025
DPIIT recognition
Recognised as a DPIIT startup under the Startup India programme.
- Jun 2025
Private beta
50 freelancers onboarded. First live FIRA generated automatically within 2 seconds of a payment landing.
- 2026
Public launch
Opening Lumeo to all Indian freelancers, agencies, and exporters earning across borders.
DPIIT RecognisedStartup India40,000+ WaitlistSub-2s Settlement
Waitlist
That's why we build it. Get in line for it.
Lumeo is launching in India first. Access opens in waitlist order.