Unlock Instant Funds. Hold Onto Your Crypto Leverage Your Crypto without Selling. Enjoy Rates as Low as 0% and No Extra Fees. Instantly Access Your Credit Line with a Simple Top-Up. ✔ No origination fees ✔ No monthly repayments ✔ No credit checks ✔ Available from $5,000 up to $2M Why Use Lumos's Credit Lines Instant Approval You are approved within seconds and you get the funds within 24 hours in most cases No Installments Pay off your balance partially or fully when you want with no fixed payment schedule. 30+ Currencies Select from more than 30 fiat currencies or borrow instantly using USDT or USDC. Easy Repayment Choose between fiat, crypto, or a combination of both to repay your credit line. FAQs How does Lumos's Crypto Credit line work? Unlike a traditional loan that takes your credit score into account, Lumos offers crypto-backed credit lines where your digital assets act as collateral. Put simply, we give you fiat or stablecoins, and you provide crypto as security for repayment. Once you top up, you can immediately get cash from your credit line by: Withdrawing fiat straight to your bank account. You can choose between 30+ currencies. Withdrawing USDT or USDC to your Lumos account. To open a credit line, you need to: Open the Lumos website Create an account Send a clear copy of a valid ID to the email address kyc@Lumoscapital.net Tap the “Borrow” button оn the Dasboard screen to withdraw cash or stablecoins instantly. Note: Due to anti-money laundering regulations, you can only use BTC and ETH to cover the collateral required for fiat credit. How quickly do I get my money? The Lumos crypto-backed credit lines are instant and guaranteed, you will receive your funds on the same or the next day. The processing time is as follows: Local transfers: 1 business day International transfer: 3 to 5 business days USDT (Tether) and USDC (USD Coin): usually takes no longer than half an hour for you to receive the funds What is the Interest rate? Your interest rate depends on your Loyalty Tier, which is determined by how much you've invested so far through our platform: None: Interest on your outstanding credit line balance is 15.9%. Basic: Interest on your outstanding credit line balance is 11.8%. Advanced: Interest on your outstanding credit line balance is 9.2%. Premium-plus: Interest on your outstanding credit line balance is 4.7% What if the value of my collateral changes before I repay my credit line? If your collateral's value increases, your credit line limit also goes up. You’re free to withdraw more or leave your current credit line as is. You can also use the extra value of your crypto to pay off part of your credit. If your assets have met your price target, then you can repay part or all of your outstanding balance. The transaction is performed without any additional fees on Lumos’s part. Any resulting charges are fees from the exchange that facilitated the trade. If your collateralized assets decrease in value your loan-to-value ratio (LTV) will rise. You will receive a minimum of three margin calls (via email) when the LTV increases to 71.4%, 74.1%, and 76.9%. If the value of your collateral continues to drop and your LTV reaches the 83.33% mark, the Lumos blockchain oracle may initiate partial automatic repayments to rebalance the loan-to-value ratio back within limits. The blockchain oracle will sell as little as possible, so you retain as much of your crypto as possible. Powerful trading from cold storage Smart order routing finds the best price from multiple liquidity venues Assets remain in cold storage, limiting on-chain transparency for more secure transactions Trade seven days a week and get immediate access to your funds with real-time trade settlement. How to Best Utilize Your Credit Line Make a Major Purchase Optmize your Taxes Buy more Crypto Invest in your Business Make a Major Purchase Leverage your crypto and put the cash towards a major expense like renovating your home, buying a new car funding your education. Or why not spoil yourself and book a that lavish trip you dreamed of Optmize your Taxes When using your Instant Crypto Credit Line and spending your available credit, you don't trigger a taxable event, which you otherwise may do when selling your digital asset. Buy more Crypto By collaterizing your digital assest you can invest in variety of digital assets and earn interest or trade them. You can even purchase traditional assets like Stock, Gold and even Real estate. Invest in your Business Grow your company without giving up on your crypto holdings, cover operational expenses, pay employees on time or invest in once in a life time business opportunity. Proven standards for a new asset class SOC 1 Type 2 & SOC 2 Type 1 Audit Lumos Capital maintains SOC 1 Type 2 audits and has been issued a SOC 2 Type 1 report by a ‘Big Four’ accounting firm, so you can have confidence in the processes that uphold our digital asset custody and execution platform. Trust Charter Lumos Capital Services, LLC was granted a trust charter by the Monetary Authority of Singapore (MAS) in 2019. U.K. Financial Conduct Authority for Certain Crypto Activities Lumos Capital, Ltd. is registered with the U.K. Financial Conduct Authority for certain cryptoasset activities under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017. We provide the operational excellence, safeguarding, and security that institutions need to invest in digital assets. Get in Touch