Bank Accounts

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What are bank accounts?

Bank accounts let you register external banking destinations where you can send funds through off-ramp transactions. This enables you to pay suppliers, partners, or any third party directly from your platform.

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How it works

When you create a bank account in Lumx, you’re registering the banking details of a recipient. Once registered, you can use this bank account to send off-ramp payments without needing to re-enter the banking information each time. Key points:

• Bank accounts can belong to your registered customer or to third parties (like suppliers)
• Each bank account is linked to a specific customer in your system
• Bank accounts are verified before they can receive funds

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Bank account types

Currently, Lumx supports:

• EXTERNAL - Bank accounts outside of the Lumx platform

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Payment rails

Bank accounts can be configured for different payment rails:

• PIX - Brazilian instant payment system

More payment rails are coming soon.

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What you can do

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Create a bank account

Register a new bank account by providing:

• Customer ID (who owns or manages this account)
• Account name (for easy identification)
• Payment rail (e.g., PIX)
• Currency (e.g., BRL)
• Account identifier (e.g., PIX key)
• Holder information (legal name, tax ID, address)

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List bank accounts

Retrieve all bank accounts, optionally filtered by customer ID.

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Get bank account details

View the complete information for a specific bank account, including verification status.

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Verification

Bank accounts go through a verification process:

• UNDER_VERIFICATION - Account details are being verified
• APPROVED - Account is verified and ready to receive funds
• REJECTED - Account verification failed

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Use cases

Supplier payments Register your supplier’s bank account and pay them directly through off-ramp transactions. Customer withdrawals Let customers register their own bank accounts to withdraw funds. Multi-beneficiary payments Send payments to different recipients without managing multiple customer accounts.

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Next steps