Overview
What Lumeo is, who it's for, and how the API is shaped.
What Lumeo is
Lumeo is a sovereign, AI-native financial operating system built for Indian independent workers — freelancers, consultants, and exporters of services — who get paid from outside India and have to deal with FIRA, GST, and ITR-4 (44ADA) compliance on every payment.
The API exists so that platforms, marketplaces, and finance tools can plug Lumeo's payout, compliance, and reconciliation engine directly into their own product instead of sending users to a separate dashboard.
What you get
| Capability | What it means |
|---|---|
| Payments | Accept payouts via Crossmint (international cards, Apple Pay, Google Pay) or OnMeta (UPI/IMPS), settled server-side. |
| Auto-FIRA | A Foreign Inward Remittance Advice is generated automatically the moment funds are confirmed — no manual bank requests. |
| Reconciliation | Every payment is matched against its source transaction and ledger entry automatically. |
| Tax | GST applicability under LUT and ITR-4 (44ADA) prefill are computed from real transaction data, not estimates. |
| Yield allocation | Idle balances can be auto-allocated to yield-bearing instruments per a user's configured policy. |
How settlement actually works
Funds enter through Crossmint (card/wallet rails) or OnMeta (India UPI/IMPS on/off-ramp). Internally, Lumeo bridges value across a private Stellar/Soroban ledger backed by TigerBeetle for the authoritative double-entry ledger — but all crypto-to-INR conversion happens server-side. Your integration, and your end users, only ever see INR amounts in the API and in FIRA/GST/ITR documents. There is no wallet address, no token, and no crypto-denominated balance exposed at the API surface.
Where to go next
- New integration → Quickstart
- Need an API key → Authentication
- Choosing sandbox vs production → Environments
- Want the mental model first → The compliance flow