Payment rails
| Type | Country/Region | Settlement Time |
|---|---|---|
| International SWIFT | Global | 1-5 business days |
| PIX | 🇧🇷 Brazil | Instant |
| ACH | 🇺🇸 United States | 1-2 business days |
| FEDWIRE | 🇺🇸 United States | Same day |
| SEPA | 🇪🇺 Europe | Less than €100k: Instant; Other: 1 business day |
| SWIFT (EUR) Q3/2026 | 🇪🇺 Europe | 1-5 business days |
| SPEI | 🇲🇽 Mexico | Instant |
| ACH Q3/2026 | 🇨🇴 Colombia | 1 business day |
| Bre-B Q3/2026 | 🇨🇴 Colombia | Instant |
| Transfers 3.0 Q3/2026 | 🇦🇷 Argentina | Instant |
| Instant Payments Q3/2026 | 🇬🇧 United Kingdom | Instant |
accounts array when you create the customer. For per-rail cut-off times, see Payment rail cut-off times. For the list of jurisdictions where Lumx onboards customers, see Supported countries.
Supported pairs
All supported fiat-to-stablecoin and stablecoin-to-fiat conversion routes:| Blockchain | Currency | BRL | USD | EUR | MXN |
|---|---|---|---|---|---|
| Ethereum | USDC | Supported | Supported | Supported | Supported |
| Ethereum | USDT | Supported | Supported | Supported | Supported |
| Polygon | USDC | Supported | Supported | Supported | Supported |
| Polygon | USDT | Supported | Supported | Supported | Supported |
| Base | USDC | Supported | Supported | - | Supported |
| Tron | USDT | Supported | Supported | Supported | Supported |