Your money, always growing.
One account, a powerful card, and instant earnings from the moment your money lands. We took the real-time reward mechanics we built for games and applied them to your everyday money — no monthly waits, no hidden terms.
Lumina is in build. Everything below is what we're shipping — join the waitlist and you'll be among the first accounts we open.
Banking that pays instantly.
One account for spending, saving, and growing — no waiting.
Instant Bank Account
Open an account in minutes. Your salary, stablecoins, or transfers start earning the moment they arrive — not next month.
Up to 18% AER
Earn on your bank account balance every second. No lock-ups, no end-of-month surprises — interest compounds in real time. Target rate at launch.
Up to 8% Cashback Card
Spend anywhere and get rewarded instantly. Physical titanium + virtual cards from day one. Target rate at launch.
Global Perks & Zero FX
Up to 15% discounts at top online stores, zero foreign exchange fees, and worldwide Visa acceptance.
Business Accounts
Company IBANs with the same instant yield, multi-user access, and expense controls for teams of any size.
Corporate Cards for Every Employee
Issue unlimited virtual and physical cards, set per-card limits, and earn the same instant cashback on every company expense.
LuminaXP, the same account for gamers.
LuminaXP is Lumina, built for our players — the same account, card, instant cashback, and instant yield, plus GMXP rewards on top. Our community already earns rewards in GMXP, the GamersXP token. With LuminaXP you stake your GMXP and get paid in our new stablecoin — money you can actually spend on groceries, subscriptions and travel, and earn cashback on every time you use it.
Earn GMXP in games
Keep playing and earning rewards exactly as you do today. Nothing changes about how you collect GMXP.
Stake it in your account
Stake your GMXP straight from your Lumina account — no wallets, no gas fees to think about. GMXP is staked only; it isn't swapped or sold.
Get paid in stablecoin
Staking rewards land as our new stablecoin in your account, ready to spend anywhere Visa is accepted — with instant cashback on every payment.
The reward currency behind GamersXP
GMXP is our reward token, running on Polygon — a fast, low-cost network compatible with Ethereum. That's the technical bit, and it's the part you never have to deal with. In the app it simply behaves like points with real value: it arrives instantly, you stake it to earn stablecoin rewards, and the more you stake, the more you earn back on every card payment.
Want LuminaXP first? Get on the player list.
Stake your GMXP, get paid in a stable, spendable currency
GMXP becomes a staking token: you keep it, stake it, and the rewards arrive in our new stablecoin — a digital currency that holds a steady value, so what you earned yesterday is still worth the same today. Rewards land straight in your Lumina account and are spendable from your card immediately. No trading screens, no volatility to watch, no crypto knowledge needed.
GMXP is staked, not sold — you keep your token.
Payouts arrive in stablecoin with steady value.
Rewards feed your account, card, and cashback.
Where we are
We're building in the open. Here's what exists today and what comes next.
Product & brand
Positioning, design system, and the public site you're on.
Accounts & onboarding
Sign-up, identity checks, and personal + business applications.
Cards, GMXP staking & stablecoin
Cards and cashback tiers, GMXP staking, and stablecoin reward payouts.
Launch
Regulated banking partner live, first waitlist accounts opened.
Open your account
Sign up in minutes and get a personal IBAN plus virtual card instantly. No credit check, no branch visits.
Fund & earn instantly
Deposit via bank transfer, card, or stablecoins. Your balance starts earning the moment it arrives — no waiting until month-end.
Spend & save globally
Pay online, in-store, or abroad with zero FX fees. Every purchase earns cashback, while your savings keep growing behind the scenes.
Common Questions
Is this just a crypto card?
No — Lumina is a full bank account with IBAN, virtual and physical cards, instant cashback, and daily high-yield earnings. Crypto makes the backend faster and cheaper; the experience feels like premium banking.
How is interest instant?
Traditional banks pay interest monthly. Our protocols accrue yield continuously, so your balance starts growing the second a deposit clears — and you can withdraw anytime.
Where can I use the card?
Everywhere Visa is accepted worldwide, both online and in-store, with zero foreign exchange fees.
Is my money safe?
We use industry-standard encryption, multi-signature custody, and partner with regulated financial institutions to keep your funds protected.