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.


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@lumos.capital
  • 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.
Custody Trading

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
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