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Transaction limits cap how much a customer can move per transaction, per day, and per month. The level of KYC/B verification a customer goes through determines which limits apply.

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Limits

*Once a customer finishes Enhanced KYC/KYB, Lumx sets a limit that fits the financial capacity shown in the documents they submitted.

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Tracking usage

To track a customer’s limit consumption in real time, pass includeTransactionLimits=true when reading the customer. The response includes used and remaining for both daily and monthly limits, alongside the max per-transaction limit.
Request
Response

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Requesting higher limits

To unlock higher transaction limits, the customer needs to go through Enhanced KYC/B verification. That runs directly with the Compliance team.

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How to request

Limit increase requests are submitted from the Lumx Dashboard, in the customer’s overview page.
  1. Open the customer and click Limit Increase Request.
  2. Enter the new per-transaction, daily, and monthly limits being requested.
  3. Upload a supporting document that justifies the new limits. PDF, JPG, JPEG, or PNG, up to 3 MB.
  4. Submit the request.

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Accepted supporting documents

The document has to help Lumx compliance validate the requested limits. Accepted types depend on the customer profile:

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Review outcomes

Lumx compliance reviews the document and decides the outcome. The request page shows the current status and a timeline of events. Possible outcomes:
  • Approved: the new limits are granted in full and become active immediately.
  • Partially approved: compliance grants limits below what was requested (e.g. 70,000 USD on a 100,000 USD request) based on what the supporting document justifies. The approved limits become active immediately.
  • Rejected: the new limits aren’t granted. The customer stays on its current limits.
  • RFI: compliance needs additional or corrected documentation before deciding. Resubmit through the same flow.

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Review timeline

More complex cases (large step-ups, unusual document types, or requests that touch enhanced due diligence) can take longer. Target, not a contractual guarantee.