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Documentation Index

Fetch the complete documentation index at: https://docs.lumx.io/llms.txt

Use this file to discover all available pages before exploring further.

Lumx verifies where a business operates and where the individuals tied to an account live. This page lists what counts as proof of address, the standards every document has to meet, and how to submit.

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When proof of address is required

  • Business verification. Confirming the registered or operating address of the company.
  • Individual verification. Confirming the residential address of UBOs, representatives, and individual customers.
  • Ongoing reviews. Periodic compliance checks may request updated documents.

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Business proof of address

The document must:
  • Confirm the current registered or operating address of the company.
  • Be issued in the legal name of the business, exactly as registered.
  • Be issued within the last 90 days, unless noted otherwise below.
  • Show a physical address. PO boxes and virtual addresses are not accepted.

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Accepted documents

  • Bank statement in the business name.
  • Utility bill for the business premises (electricity, water, gas, internet).
  • Government-issued correspondence addressed to the business.
  • Office or commercial lease agreement. Must be current; may be older than 90 days.
  • Business license showing the company address.
  • Company registry extract or registration certificate.
  • Tax authority correspondence showing the business address.

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Individual proof of address

The document must:
  • Confirm the individual’s current residential address.
  • Be issued in the individual’s full legal name, matching the name submitted during onboarding.
  • Be issued within the last 90 days, unless noted otherwise.
  • Show a physical residential address. PO boxes and virtual addresses are not accepted.

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Accepted documents

  • Utility bill (electricity, water, gas, internet, or landline).
  • Bank or credit card statement.
  • Government-issued letter (tax notices, social benefit correspondence).
  • Residence registration or certificate of domicile.
  • Residential lease or tenancy agreement. Must be current.
  • Local authority or municipal tax bill.
  • Insurance policy showing a residential address (home, health, or vehicle).
  • Driver’s license or national ID card, when it includes a full residential address and is still valid.

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Document standards

Every document must clearly show:
  • The full legal name of the business or individual.
  • The complete address.
  • The date of issue.
  • The issuer’s name or logo (bank, utility company, government body).

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Submission format

  • Clear color scan or photo of the original document.
  • PDF, JPG, or PNG.
  • Maximum file size: 3 MB.
  • The entire document visible in frame, with no cropped edges.

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What to avoid

  • Photos of a screen, monitor, or another device.
  • Screenshots or photos of printed or photocopied documents.
  • Blurry, dark, cropped, or otherwise unreadable images.
Screenshots are not accepted unless explicitly pre-approved by Lumx compliance.

Identity Verification

Data requirements and verification statuses.

Source of Funds and Wealth

Documentation accepted to verify source of funds and wealth.

Request for Information

How Lumx notifies you when documents are needed.

Document Types

Enum reference for the type field on document uploads.