The naira is losing. American stocks aren’t.
Hold tokenized U.S. equities — NVDA, AAPL, the S&P 500, gold and more — in your own wallet. Fund with USDT, USDC, or naira via Onramper. Off-ramp anytime.
USDT or NGN in · NGN out · 24/7 markets · self-custodied
The naira tax
₦100 saved a decade ago is worth ₦12 today.
The naira has lost over 85% of its dollar value since 2016. The same decade, the S&P 500 returned over 300% in dollars — and over 3,300% in naira terms. Lume removes the broker between you and the asset.
₦200 to ₦1,650+ per dollar. The 2023 float surfaced a depreciation that had been quietly compounding for years.
A passive index returned ~33× in naira when you combine the dollar gain with the naira’s collapse.
₦100 in NVDA in 2016 would be worth roughly ₦192,000 in 2026 — the AI decade plus naira depreciation, stacked.
A typical Nigerian savings account earns ~6% while inflation runs 25–30%. Real savings shrink every year you hold them.
Approximate figures derived from public market data, CBN reference rates, and post-float interbank quotes. Past performance is not a guarantee of future results.
How it works
From USDT to NVIDIA in under three minutes.
If you already hold USDT, you’re halfway there. No domiciliary account. No CBN form. No broker sitting on your assets. Self-custody from the first deposit.
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.
Deposit USDT or USDC.
Already hold stablecoins on Binance, Bybit, or any wallet? Send them straight to your Lume wallet on Solana. Sub-cent fees, settles in seconds. This is the fastest path for users who already hold crypto.
No stablecoins yet? Step 2b — fund with naira via Onramper. Card or NGN bank transfer. NGN settles to USDC instantly.
Own American stocks.
Tokenized Apple, NVIDIA, S&P 500, gold — held in your own Solana wallet, settled in seconds, accessible 24/7. xStocks issued by Backed Finance under Liechtenstein blockchain-asset law, held in licensed Swiss custody.
Off-ramp to naira anytime.
When you want cash, sell in-app and Onramper delivers NGN to your Nigerian bank account. No CBN bottleneck — Onramper handles the licensed regional rails. Or hold USDT in your wallet and spend it however you already do.
Built for the Lagos community
Earn while your friends earn.
Two reward loops, both real. A trading streak that pays you in real U.S. stock for showing up. A referral program that pays you 40% of every fee your friends generate, forever.
7-day streak · Nigeria only
Trade $20 a day. Get $15 in real U.S. stock every week.
Make at least one eligible trade of $20 or more, every day, for seven days. We send a randomly selected tokenised U.S. equity — NVDA, TSLA, AAPL, or another — straight to your Lume wallet. Real asset, not points.
Day 7 → $15 random stock dropped to your wallet
- Min $20 trade per day. Stablecoin ↔ stablecoin doesn’t count.
- Hold for 30 minutes before selling — no round-trips.
- Miss a day, streak resets to zero. Start again any time.
Refer & earn · Forever
40% of every fee your friends pay. For as long as they trade.
Share your Lume link in a WhatsApp group. When a friend signs up and trades, Lume earns a small fee on their volume. You get 40% of that fee. No cap. No expiry. They keep trading, you keep earning.
Worked example
friend trades
you earn
- Paid in stablecoins. Claim from your in-app rewards dashboard.
- Plus Lume Points — tier up for higher commission share.
Reward programs are operated by Lume Foundation. Subject to streak terms and the Lume referral program documentation. Wash-trading and multi-account abuse forfeit rewards.
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
They hold your shares. You hold yours.
Bamboo, Chaka, and Trove are real products that opened US equities to Nigeria. They also custody your assets at a US broker — and live inside CBN’s policy reach. Lume flips both.
Bamboo / Chaka / Trove · custodial
The old way
- 1
Day 1
Sign up with Bamboo, Chaka, or Trove.
Submit BVN, NIN, bank statement, address proof. Wait for KYC review.
- 2
Day 2–4
Account approved, funding begins.
Bank-to-broker NGN transfer. FX conversion at the broker’s spread (typically 2–4% above interbank).
- 3
On exchange hours
Place a US stock order.
Fractional minimums, spread on every trade, T+2 settlement. Stock held by the broker on your behalf.
- 4
Custody
Broker holds your shares — you don’t.
If the broker has a CBN issue (Bamboo, 2023), trading suspends and your shares are frozen. The asset isn’t yours; a contract claim is.
- 5
On exit
Sell, wait for USD, convert to NGN, withdraw.
2–3 business days end-to-end. FX spread again. Withdrawal limits subject to CBN policy of the week.
USDT or NGN in · self-custodied
The Lume way
Minute 1
Sign in with email or Google.
Privy creates an embedded Solana wallet. No KYC for trading — only for fiat funding.
Minute 2
Deposit USDT, USDC, or naira via Onramper.
Already hold stablecoins? Send them direct. Funding from NGN? Onramper handles the regulated rail.
Minute 3
Own NVDAx, AAPLx, GLDo — in your own wallet.
Fractional from $1. Settles on-chain in under a second. 24/7 market access. Tokens live in your wallet, not Lume’s.
Custody
You hold the keys. You hold the asset.
Even if Lume disappeared tomorrow, your tokens stay in your wallet, redeemable through any other Solana interface that supports them.
On exit
Sell to USDT (instant) or off-ramp to NGN bank.
Onramper delivers naira to your Nigerian account. No 3-day wait. No CBN bottleneck on stablecoin movement.
Comparison reflects a typical Nigerian retail flow. Lume is not a Nigerian SEC-registered broker and does not custody your assets. Tokenised assets carry their own risks — 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.
Lume is a non-custodial software interface, not a Nigerian SEC-registered broker. Tokenised assets remain in your own self-custodied wallet at all times — Lume never holds your funds. The NGN on/off-ramp is provided by Onramper, a regulated regional payment partner. Tokenised securities (xStocks) are issued by Backed Finance under Liechtenstein blockchain-asset law and held in licensed Swiss custody.
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.