When a customer is routed into enhanced due diligence (EDD) at onboarding, or flagged during ongoing transaction monitoring, Lumx may request documentation showing where their funds come from and how their wealth was built. This page lists what to provide.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.
Source of funds vs. source of wealth
- Source of funds. How the specific money moving through Lumx was generated. For example: operating revenue, customer payments, or investment capital.
- Source of wealth. How the customer or its owners accumulated their overall wealth. For example: business earnings, prior ventures, or long-term investments.
When this is requested
Lumx asks for source of funds or wealth documentation in a few scenarios:- The customer falls into an EDD tier based on country, industry, or risk score. See Supported countries for the country-level tiers.
- High transaction volumes or complex funding structures need additional validation.
- A material change in expected activity, ownership, or business model.
- A regulatory or compliance obligation requires it.
Acceptable documentation
Documents should clearly show where funds come from, how they were generated, and how they’ll move to Lumx. Everything should align with the customer’s declared business activity.Fiat funding sources
| Category | What it shows |
|---|---|
| Bank statements or account summaries | The account funds will move from, issued by a regulated financial institution. |
| Investment or capital contribution records | Subscription agreements, capital injections, or founder contribution confirmations. |
| Revenue documentation | Invoices, customer contracts, settlement statements, or receipts demonstrating operating income. |
| Loan or financing agreements | Executed loan agreements or credit facilities showing lawful borrowing. |
| Asset sale records | Proceeds from the sale of business assets, securities, or property. |
Crypto and digital asset funding sources
| Category | What it shows |
|---|---|
| Wallet ownership evidence | Cryptographic proof that the customer controls the wallet(s) funds are moving from. |
| On-chain transaction history | Origin and movement of funds, including transaction hashes and wallet addresses. |
| Exchange account statements | Balances, deposits, withdrawals, or trading activity from regulated exchanges. |
| Stablecoin issuance or redemption records | How stablecoins were minted, acquired, or redeemed. |
| Market-making or trading records | Trade history, P&L summaries, or liquidity provision records. |
| Token sale or fundraising documentation | Allocation summaries, private placement records, and use-of-funds explanations. |
Document standards
To keep review moving, make sure each document:- Is issued in the name of the business or the relevant funding entity.
- Clearly shows the source and flow of funds.
- Is legible and complete, with no material redactions.
- Is submitted as PDF, JPG, or PNG.
Lumx may request additional supporting documentation if more clarification is needed during review.
Related resources
Request for Information
How Lumx notifies you when documents are needed.
Identity Verification
KYC and KYB requirements per customer type.
Document Types
Enum reference for the
type field on document uploads.Onboarding Fields
Self-disclosure enums including
sourceOfFunds.