Lumo Wallet Launches Full Suite of Crypto Services: Swaps, Debit Card, On/Off Ramp, and Staking

One wallet now covers exchanging assets, spending crypto in the real world, moving between crypto and cash, and earning rewards on holdings

Someone opens their wallet, swaps a bit of one asset for another, loads their card, and spends it at checkout an hour later without ever thinking about a second app. That is the experience Lumo Wallet set out to build, and today it is live across four services: Swaps, Debit Card, On/Off Ramp, and Staking.

Swaps: exchange assets without leaving the wallet

Swaps let users trade one supported crypto asset for another directly inside Lumo Wallet, no separate exchange needed. Users pick what they have, pick what they want instead, and see the exact amount before confirming anything. The starting swap fee is 0.4%, plus a dynamic network fee that moves with congestion. Behind the scenes, Lumo Wallet works with ChangeNow, StealthEX, and Swaps.xyz to route these exchanges, though the wallet is what shows a user their actual options and final quote.

Debit Card: spend crypto like it is already cash

The Lumo Debit Card works anywhere, online, in store, or at an ATM. Users load it straight from their wallet balance and spend without manually converting anything first. Card top ups start from a 0.5% fee, and ATM withdrawals carry a 1.5% fee.

On/Off Ramp: the bridge between crypto and the bank

Not everyone wants to hold everything in crypto all the time. The On/Off Ramp lets users buy crypto with a bank transfer or card, or go the other way and convert crypto back into fiat sent straight to their bank account. Lumo Wallet works with a handful of ramp providers, including Banxa, MoonPay, Transak, Simplex, and Ramp Network, showing users whichever options apply in their region along with the live fee before they commit. On ramp and off ramp fees both start around 1.5%, with an additional dynamic network fee on top.

Staking: put idle crypto to work

For users holding assets long term, Staking offers a way to earn rewards by participating in network validation. Lumo Wallet currently supports staking on ETH, SOL, BNB, DOT, and ATOM, each with its own rate and lock up period shown clearly before a user commits. Rates range from roughly 3 to 5% APY on ETH up to 15 to 19% APY on ATOM, though all rates are variable and tied to network conditions, and assets are locked for the unbonding period once staked.

Why it matters

Most crypto users end up juggling an exchange app for trading, a separate card provider for spending, another platform to cash out to a bank, and a fourth place to stake. Lumo Wallet folds all four of those jobs into one self custody wallet, so a user's keys, their spending power, and their earning potential live in the same place instead of scattered across accounts they have to trust separately.

Users can download Lumo Wallet today to explore Swaps, order a Debit Card, connect an On/Off Ramp provider, or start staking supported assets.

About Lumo Wallet Lumo Wallet is a non custodial crypto wallet offering swaps, a debit card, on/off ramp, staking, and a business suite spanning checkout, invoicing, and point of sale payments. Lumo Wallet does not issue, support, or have any affiliation with any cryptocurrency token.

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