Lumeo Developer Docs

Build on Lumeo — the sovereign AI-native financial OS for Indian independent workers and exporters.

Welcome

Lumeo gives Indian freelancers, consultants, and exporters a single API to accept cross-border payments, auto-generate compliance paperwork (FIRA, GST, ITR-4 prefill under 44ADA), and reconcile every rupee against the source transaction — without ever exposing the underlying settlement rail to the end user.

Money moves in over Crossmint (card, Apple Pay, Google Pay) or OnMeta (UPI/IMPS), settles on a private Stellar/Soroban ledger bridged through TigerBeetle, and lands in the recipient's bank account as INR. Your integration never has to think about crypto — only INR in, INR out.

Start here

Quickstart

Make your first payout call in sandbox in under 10 minutes.

Authentication

Generate API keys and sign your first request.

The compliance flow

Understand how money in → FIRA → reconciliation → tax → yield works end to end.

API Reference

Browse every endpoint, grouped by domain.

How the docs are organized

Getting Started — environments, auth, and your first request.
Core Concepts — the mental model behind Lumeo: the compliance flow, the ledger, and why compliance is load-bearing, not bolted on.
API Reference — every endpoint, generated from our OpenAPI spec, grouped by domain (Payments, Compliance, Ledger, Tax, Webhooks, Accounts).
Guides — task-oriented walkthroughs for the integrations developers build most often.
SDKs — the TypeScript/Node client, generated from our backend DTOs.
Changelog — every API change, dated and versioned.

Sandbox vs production

Every endpoint is available in both sandbox and production. Sandbox uses Stellar testnet contracts and OnMeta/Crossmint test credentials — no real money moves. See Environments for base URLs and switching guidance.