Lume

Lume is a tokenized stock trading platform that lets users buy and sell tokenized U.S. stocks.

Instead of trading traditional shares through a brokerage account, Lume provides on-chain stock tokens that track the price movement of real U.S. equities. This means users can trade U.S. stock exposure directly through Lume in a simple, app-like experience.

What you can do on Lume

• Buy U.S. stock exposure using tokenized stock assets

• Sell anytime to exit your position

• View holdings and performance like a normal trading app, but built around tokenized stocks

U.S. equities are the deepest and most liquid capital markets in the world, but direct participation is not globally accessible.

For many investors outside the U.S., getting exposure to U.S. stocks is blocked or degraded by a mix of:

• Market access restrictions: Many jurisdictions don’t have direct routes to U.S. exchanges (NYSE/Nasdaq) through local brokers, or access is limited to “qualified” clients.

• Brokerage onboarding friction: Cross-border KYC/AML, proof-of-address, tax forms (like W-8BEN), and bank verification create high drop-off.

• Custody and settlement constraints: Traditional equity rails rely on centralized custody and T+ settlement processes that often don’t support seamless cross-border participation.

• FX and transfer costs: Converting local currency to USD and wiring funds into a U.S. broker introduces spreads, fees, and delays.

• Limited product availability: Even when access exists, investors may face restricted tickers, delayed trading, higher minimums, or limited fractional participation.

Net result: global investors are structurally under-allocated to U.S. equities, not by choice, but because access is expensive, slow, and sometimes impossible.

How Lume Solves It

Lume provides tokenized U.S. stock exposure, enabling users to buy and sell U.S. equity exposure through on-chain stock tokens rather than through traditional brokerage rails.

Financially, tokenization can improve access by:

• Replacing broker account dependency with token-based exposure that can be acquired and sold within the platform.

• Reducing operational friction (onboarding, custody complexity, settlement coordination) by treating exposure as a tradable token instrument.

• Enabling smaller position sizes (fractional-style exposure) so users can allocate capital efficiently without high minimums.

• Improving portability of exposure since positions exist as tokens that can be held and transferred like other digital assets.