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WHITE-LABEL FINTECH INFRASTRUCTURE

Your own fintech.Your brand.Without building one.

Complete BaaS infrastructure for your company to launch financial products with regulatory confidence. Digital accounts, Pix, a mobile app and a back office, ready to run.

Let’s talkExplore the platform

From your first account to your next stage of growth.

01 — LUMECODING PLATFORMTechnology that connects.

Explore LumecodingCONTA DIGITAL / APP / BACKOFFICE / API

ONE PLATFORM. YOUR ENTIRE OPERATION.

Closer to your customers. Ready for what’s next.

A connected experience, from the first sign-in to every transaction. Your identity at every touchpoint.

01Web app

FOR YOUR CUSTOMERS

An account that fits everyday life.

Balances, Pix and transactions in a clear interface. Your brand’s experience, from sign-in to receipt.

  • Pix, keys and payment requests
  • Statements and receipts
  • Your brand in every detail
Explore the demo

Illustrative preview with sample data. Explore the demos to see the current product.

02Mobile app

ALWAYS WITHIN REACH

Your brand goes where life goes.

The same account, on mobile. Essential operations with navigation designed around your customers.

  • Account and statements on mobile
  • Transfers in a few steps
  • Connected to the web experience
Discover the app

Illustrative preview with sample data. Explore the demos to see the current product.

03Backoffice

FOR YOUR OPERATIONS TEAM

Visibility to decide. Control to operate.

Customers, transactions and reviews in one place. Context and traceability for every decision.

  • Onboarding and risk review
  • Customer and limit management
  • Access roles and audit trail
Explore the demo
BACKOFFICETA
OVERVIEW

Your operation, in perspective.

Customers1.248
Transactions3.426
In review08
Review queueTransactionsAudit
CustomersAmountStatus
RARicardo AlvesR$ 4.900,00In review
CVComércio ValeR$ 12.300,00In review
JPJuliana PradoR$ 780,00In review
Audit · 09:42:16 UTC−3

Illustrative preview with sample data. Explore the demos to see the current product.

DEMONSTRATION ENVIRONMENT01 / 03
01Web app02Mobile app03Backoffice

Illustrative preview with sample data. Explore the demos to see the current product.

WHAT MOVES YOUR BUSINESS

From relationships to transactions.

02 / CAPABILITIES
01

Accounts and payments

Connect your customers to a financial experience with accounts, Pix and transaction tracking.

  • Pix
  • Statements
  • Receipts
02

Operational management

Give your team the tools to manage onboarding, review transactions and control limits.

  • KYC
  • Risk
  • Audit
03

Integration and growth

Connect existing systems and adapt the platform to your operations, with documentation and a test environment.

  • API
  • Sandbox
  • White-label

WHITE-LABEL SUB-ACQUIRING

Your sub-acquiring business, your way.

Merchant onboarding, sales and receivables under your brand. We build a platform tailored to your operation, or you start with the Lumecoding platform as white label.

PATH 01 · CUSTOM-BUILT

We build your platform.

Designed around your operation’s rules: commercial hierarchy, plans, payouts and the integrations you need. Our team builds it and keeps evolving it with you.

  • Your operation’s commercial rules
  • Integration with your acquirer and your systems
  • Development and evolution with our team
PATH 02 · WHITE LABEL

Use the Lumecoding platform.

Our sub-acquiring platform with your visual identity, configured for your business. Less to build, more time to sell.

  • Merchant portal under your brand
  • Merchant onboarding and management
  • Sales and receivables schedule

Included on both paths.

Talk to us about sub-acquiring
  • A digital account for each merchant, with Pix and statements
  • Back office with access roles and audit trail
  • API and test environment for integration

Sales are captured and settled by the partner acquirer, under the structure defined for each project.

BUILT TO CONNECT

Your next integration starts here.

One API connects your digital accounts to your business systems. Your team can start with the documentation and explore the sandbox.

Explore the documentation
  • 01OpenAPI documentation
  • 02Integration sandbox
  • 03Environment-specific keys
BALANCE REQUEST · EXAMPLEGET
GET /v1/accounts/balance
X-API-Key: $LUME_SANDBOX_KEY

{
  "balanceCents": 1842075,
  "heldCents": 0,
  "currency": "BRL"
}

CONFIDENCE AT EVERY LAYER

Security is part of the operation.

From sign-in to operational decisions, integrated controls help protect accounts and explain transactions.

01 / IDENTITY

Protected access

Two-factor authentication, password protection and attempt controls.

02 / TRANSACTIONS

Risk in context

Review rules and additional verification for operations that need attention.

03 / OPERATIONS

Traceable decisions

Role-based permissions and an audit trail to follow your team’s actions.

Financial services are provided by authorized institutions under each project’s contracted structure.

FROM YOUR IDEA TO OPERATION

Your project. Our shared commitment.

Brand, integrations and infrastructure aligned with your business. Lumecoding works with your team from implementation through the platform’s evolution.

  1. 01

    Understand

    Goals, customers and operational design.

  2. 02

    Configure

    Your identity, flows and integrations.

  3. 03

    Validate

    Testing and validation with the teams involved.

  4. 04

    Evolve

    Launch, ongoing support and next steps.

Infrastructure that adapts, too.

A dedicated environment for each operation. Deployment is designed with your team.

  • Managed by Lumecoding
  • In your company’s cloud
  • On your infrastructure

ABOUT LUMECODING

Financial technology. Long-term relationships.

We bring experience in financial software, integrations and operations to help businesses launch their own financial products. Our partnership continues after launch.

Let’s build together

LET’S TALK

Before the next step.

CONTACT

Your next chapter starts with a conversation.

Tell us what you want to build. Let’s explore the path to your financial operation together.

Write to uscontato@lumecoding.com↗WhatsApp · (11) 94848-5386

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