American stocks. Instantly.
Hold tokenized U.S. equity exposure: NVDA, AAPL, the S&P 500, gold and more. Sign in with email, fund with UPI, settle in seconds.
UPI in · IMPS out · 24/7 markets · self-custodied
The gap, in rupees
₹100 saved a decade ago is worth ₹70 today.
The same decade, the S&P 500 returned over 300% in rupee terms. NVIDIA returned over 40×. Indian savings have quietly been losing a race they were never told they were running.
₹65 to ₹85+ per dollar. Each year a quiet tax on cash savings.
A passive index roughly quadrupled in rupees, with reinvested dividends.
The single most consequential stock of the decade. The hardest to access from India.
The original FAANG compounder. Most Indians have used the product for years; few have owned the stock.
Approximate figures derived from public market data and RBI rupee reference rates. Past performance is not a guarantee of future results.
How it works
From UPI to Apple in sixty seconds.
No broker calls. No paperwork. No waiting on a Demat account or an LRS quota. Open the app and you’re holding Apple.
Sign in.
Email, Google, Apple, or any wallet. Powered by Privy. No seed phrase to start. Sixty seconds from new tab to ready-to-fund.
Fund with UPI.
Pay from any UPI app (Google Pay, PhonePe, Paytm, your bank) and funds land in your Lume wallet instantly. Powered by Onramp (onramp.money), an FIU-IND-registered fiat onramp that deducts the 1% TDS at source so you don't have to.
Already hold USDT or USDC? Deposit directly to your Lume wallet. No onramp step needed.
Own American stocks. Exit anytime.
Tokenized Apple, NVIDIA, S&P 500, gold. Held in your own wallet, settled in seconds, accessible 24/7. No Demat. No LRS forms. When you want out, sell and withdraw via IMPS to any Indian bank, instantly, through Onramp.
What you can trade
Stocks, perps, gold. One app.
Tokenized U.S. equities and leveraged perps on the world’s biggest assets. Open 24/7.
Powered by xStocks, Ondo Finance & Hyperliquid
U.S. Stocks
powered by xStocksPerpetuals
powered by Hyperliquid · up to 50× leveragePrices shown are illustrative. Live prices update in-app.
Two paths to one stock
Eight days vs. three minutes.
The same NVDA. Two completely different rails. One built for the paperwork era, one built for the internet.
Indian broker apps · INR · LRS · Demat
The broker route
- 1
Day 1
Sign up. Submit PAN, Aadhaar, bank, signature.
- 2
Day 2–3
US Demat account opens.
Wait ~48 hours for the broker's overseas partner to provision.
- 3
Day 4–5
KYC verifies.
Another ~48 hours. Selfie, address proof, video call in some flows.
- 4
Day 6
Initiate INR → USD onramp under LRS.
Inside your $250,000/year individual remittance cap.
- 5
Day 7–8
USD lands in your US account.
Or pay an extra fee for “instant” credit.
- 6
Day 8
Finally, buy NVDA.
During US market hours only. T+2 settle.
- 7
On exit
Sell, convert USD → INR, withdraw.
TDS deducted. ~2 business days to your Indian bank.
UPI in · IMPS out · Self-custodied
The Lume route
Minute 1
Sign in with email or Google.
Privy creates an embedded Lume wallet. No KYC for trading.
Minute 2
Fund with UPI.
Pay from Google Pay, PhonePe, Paytm, or any bank UPI app. Powered by Onramp. Funds land in-app instantly. 1% TDS deducted at source.
Minute 3
Own NVDAx.
Fractional from $1. Settles on-chain in under a second. 24/7 market access.
On exit
Sell, withdraw via IMPS to any Indian bank.
Instant. Powered by Onramp. No three-day wait. No 'instant credit' fee.
Comparison reflects a typical first-time user flow on Indian broker apps offering U.S. equities. Lume is not a regulated Indian broker and does not offer Demat, mutual funds, NPS, or LRS-based remittance. You are responsible for your own FEMA compliance and Indian tax filing. See our Risk Disclosure.
Why on-chain
Same exposure. Better rails.
xStocks track real U.S. equities 1:1, fully backed by Backed Finance in licensed Swiss custody. The price is the same. Everything around it is better.
Self-custody.
Your tokens, your keys. Lume can’t freeze, lend, or rehypothecate what we never hold.
Trade 24/7.
Markets settle on-chain, not a back-office in New Jersey. No more waiting for the bell.
Settles in seconds.
Deposits, swaps, and transfers finalize on-chain in under a second, for fractions of a cent.
Borderless by default.
Anywhere with internet, you have a brokerage. No SSN, no W-8BEN, no minimum balance.
By the numbers
Real users. Real volume. Verifiable on-chain.
Every trade settles on a public ledger. Don’t take our word for it. Read the dashboard yourself.
Built on
FAQ
Questions, answered honestly.
No. Lume is a non-custodial software interface, not a SEBI-regulated broker. We do not custody your funds, do not open Demat accounts, and do not offer mutual funds, NPS, or IPO subscriptions. xStocks are tokenized U.S. equities issued by Backed Finance and held in licensed Swiss custody. You hold the token in your own wallet.
The world’s most liquid market,
in your pocket.
Trade tokenized stocks, perps, and gold from anywhere. Sign in with email. Keep custody of every asset.