Send and request money by link. The person receiving it needs no wallet, no seed phrase, and no app — they tap the link and it's theirs, and they pay no network fee.

Lumenia lets an ordinary person use Stellar's infrastructure — native USDC, anchors, and sponsored reserves — just by tapping a link in a chat. No one has to know anything about crypto. Behind the scenes it settles in USDC; to the person receiving it, it's simply money that arrived.

• The sender creates a Claimable Balance on the Stellar ledger — a native escrow with a dual predicate: the recipient can claim it, or the sender reclaims it after seven days. The money is held by the ledger, never by us.
• The recipient opens the link and claims it with 0 XLM. A sponsor service covers the account reserve and the transaction fee through a sponsored account creation and a fee-bump. The sponsor can only pay fees and reserves — it can never spend anyone's money, enforced by an allowlist that checks every operation before signing.
• Request money works the same way in reverse: you make a link that asks someone to pay you, they open it and push the payment. There is no pull or surprise charge.

Lumenia is a testnet pilot — everything runs on the Stellar test network, and no real money is involved yet. The end-to-end walletless claim, the sponsor service, and the anti-drain safeguard are all proven on-chain on testnet.

It's built for the Stellar ecosystem: an Instawards ambassador project, aiming at the SCF Build (Integration) track. It's non-custodial and deliberately avoids any savings, yield, or bank framing — it's simply person-to-person money movement.

• 🌐 getlumenia.com — try the live demo and see how it works.
• 📦 lumenia — the monorepo: a Next.js PWA and the Node sponsor service (anti-drain validator, hermetic CI, verifiable claims).
• 🧪 stellar-walletless-claim — a minimal, runnable demo of the sponsored 0-XLM claim mechanic.
• 🎨 brand — logos, colour, type, and press assets.

Contributions and ideas are welcome — see the contributing guide, code of conduct, and security policy in the main repository. The roadmap is grant-driven, so please open an issue or discussion before starting anything non-trivial.

Network: testnet-first · Non-custodial · No yield, no custody