> ## 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.

# Transaction Limits

> Understand transaction thresholds and how to request higher limits

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.

## Limits

| **Limit**       | **KYC Standard** | **KYC Enhanced**\* | **KYB Standard** | **KYB Enhanced**\* |
| :-------------- | :--------------- | :----------------- | :--------------- | :----------------- |
| Per Transaction | \$7,500          | \$25,000 +         | \$50,000         | \$50,000 +         |
| Daily           | \$15,000         | \$50,000 +         | \$100,000        | \$100,000 +        |
| Monthly         | \$15,000         | \$50,000 +         | \$100,000        | \$100,000 +        |

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

## 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.

```bash Request theme={null}
curl https://api-sandbox.lumx.io/customers/3c90c3cc-0d44-4b50-8888-8dd25736052a?includeTransactionLimits=true \
  -H "Authorization: Bearer YOUR_API_KEY"
```

```json Response theme={null}
{
  "transactionLimits": {
    "single": { "max": "7500.00" },
    "daily": {
      "max": "15000.00",
      "used": "2300.00",
      "remaining": "12700.00"
    },
    "monthly": {
      "max": "15000.00",
      "used": "2300.00",
      "remaining": "12700.00"
    }
  }
}
```

## 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.

### How to request

Limit increase requests are submitted from the [Lumx Dashboard](https://dashboard.lumx.io), 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.

### Accepted supporting documents

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

| **Individual customers** | **Business customers** |
| :----------------------- | :--------------------- |
| Bank statement           | Bank statement         |
| Tax return               | Financial statements   |
| Proof of income          | Tax return             |

### 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.

### Review timeline

| **Service**    | **Timeline**          |
| :------------- | :-------------------- |
| Limit increase | 30 minutes to 3 hours |

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