Media Kit · 2026

The non-custodial wallet
built for the future
of payments.

Press, partnership and investor resources for Lumo Wallet — brand assets, product narrative and ecosystem overview.

Download full media kit (PDF)Brand assets

01 · Introduction

A financial layer designed for self-sovereign money.

Lumo Wallet is a non-custodial crypto wallet and payments platform giving individuals and businesses complete ownership over their digital assets — without compromising the simplicity people expect from modern finance.

Built around a self-custody architecture, an upcoming POS ecosystem and an AI layer through PulseAI, Lumo unifies everyday spending, business acceptance and on-chain value into a single, premium experience.

At a glance

Founded: 2025
Launching: 1 July 2026
Category: Non-custodial wallet · Crypto payments
Architecture: Self-custody · Keys on device
Coverage: iOS · Android · Web
Website: mylumoapp.io

02 · Mission & Story

Money should belong to the people who earn it.

Lumo was founded on a simple conviction: the future of payments is open, programmable, and self-owned. Custodians fail. Intermediaries take. Borders slow money down.

We're building a single, beautifully crafted product that lets anyone own their crypto, spend it like everyday money, and run a business on top of it — without the fees and friction of legacy rails.

Mission

Make self-custody the default for everyday money — for individuals and the businesses they buy from.

Vision

A world where crypto powers real-world commerce as quietly and reliably as the card networks did before it.

Principles

Ownership before convenience. Design before features. Trust before scale.

03 · Logo

The mark — a continuous loop of value in motion.

The Lumo identity pairs a soft circular swirl — representing self-custodial flow — with a confident, geometric wordmark. Use the appropriate variant for contrast, and respect the clear space and minimum size below.

Primary · full color#FFFFFF

White · reversed#0A0612

↓ Primary logo (PNG)↓ Primary logo (PDF)↓ White logo (PNG)

Clear space

Always reserve space equal to the height of the icon swirl around the wordmark.

Minimum size

Wordmark: 80px digital / 20mm print. Icon alone: 24px digital.

Don't

Don't stretch, recolor outside the palette, add shadows, or place on busy imagery without a tint.

04 · Color

A palette of night and lavender.

Lumo's color system is rooted in a near-black Ink for canvas, a violet→lavender gradient for energy, and a Mist tint for surfaces and reversed marks.

Primary canvas

Ink

#0A0612

Wordmark dark

Deep Violet

#2D1D4F

Primary accent

Violet

#8B5CF6

Icon gradient

Lavender

#B794D9

Surface tint

Mist

#ECE5FA

Foreground

Signal

#F5F1FB

Primary gradient · Lavender → Violet#C9A8E8 → #8B5CF6

05 · Typography

Clean, modern, quietly confident.

Lumo uses SF Pro Display for headings and key UI — the Apple system typeface — paired with Inter for body text and supporting copy.

Headings · SF Pro Display

Aa Bb Cc

Regular 400Medium 500SemiBold 600Bold 700Heavy 800Tracking −0.035em

Body · Inter

Aa Bb Cc

Inter is used for all body copy, labels, navigation and supporting UI text. Clean, geometric, and highly legible at small sizes.

06 · Tone of Voice

Confident. Quiet. Crypto-native, never crypto-shouty.

Lumo speaks like a premium fintech that happens to be on-chain — clear, calm, technically literate, and free of hype.

We sayYour money, your keys, your control.

We don't sayTrust us with your funds.

We saySpend crypto, anywhere.

We don't sayRevolutionary game-changing disruption.

We sayBuilt for the future of payments.

We don't sayWeb3 synergies.

07 · Ecosystem

One identity, four product surfaces.

The Lumo ecosystem spans consumer self-custody, real-world spending, business acceptance and an embedded AI layer — all designed as a single, coherent experience.

Lumo Wallet

Non-custodial

Your keys, your crypto. A self-custody wallet with a clean, Apple-grade experience for everyday spending, swapping and sending.

Lumo Debit

Crypto card

Spend crypto anywhere — powered by a licensed issuer, with Apple Pay & Google Pay from day one.

Lumo Business & POS

Merchant infra

Accept crypto with zero processing fees, fast settlements, and a forthcoming point-of-sale ecosystem.

PulseAI

AI layer

Intelligence woven through the product — surfacing insights, automating actions and guiding payments.

08 · Hardware

The Lumo POS terminal.

A purpose-built countertop device that brings the Lumo experience into physical retail — pay with crypto, settle instantly, no card networks required.

· Touchscreen display with Lumo-branded enclosure
· Tap, scan or App Store / Google Play download flow built in
· Direct settlement to merchant Lumo Business account
· 0% processing fees on every crypto transaction

Prototype · Pilot program 2026

Lumo POS terminal hardware prototype on a retail counter

09 · PulseAI

An intelligent financial companion.

PulseAI is Lumo's built-in AI layer — designed to make crypto simpler, safer and more practical for everyday users and businesses. Not a chatbot bolted on, but an assistant woven through the wallet, business tools and future POS.

Smart transaction guidance

Plain-language explanations for fees, networks, addresses and swaps — with risk warnings before you confirm.

Real-time wallet insights

Balances, spending summaries, asset tracking and revenue trends translated from raw on-chain data into something readable.

AI-powered assistance

Top-up reminders, fee optimization, budgeting cues and personalised recommendations across consumer and business flows.

Embedded everywhere

Contextual help inside Lumo Wallet, Lumo Business, the upcoming POS and the debit card experience — not a separate app.

Non-custodial · Keys stay on-device

10 · Key features

What sets Lumo apart.

Merchant transaction fees

Self-Custody

Keys never leave the device

Apple & Google Pay

Tap to pay from day one

Multi-chain

Major networks, one app

Fast Settlements

No multi-day clearing

AI-native by design

Thomas Rowlands, Founder and CEO of Lumo Wallet

11 · Founder

Meet Thomas Rowlands.

Founder & CEO, Lumo Wallet LLC

Thomas Rowlands is the founder and CEO of Lumo Wallet LLC, driven by a strong belief that people should have greater control, freedom and simplicity when managing their money and digital assets.

After years observing the gaps between traditional finance, crypto usability and real-world payments, Thomas founded Lumo Wallet to combine the security of self-custody with the convenience of everyday financial tools — building practical real-world utility rather than another speculative platform.

He leads strategy, brand, product, partnerships and growth across the Lumo ecosystem — Lumo Wallet, Lumo Business & POS, Lumo Debit and PulseAI — bridging decentralized finance and real-world commerce through payment infrastructure, AI integration and business-focused crypto solutions.

"Crypto should feel as effortless as the apps people already use every day — and quietly more powerful underneath."

Founder & CEOProduct & BrandPartnerships

12 · Partners & Integrations