Private money. Private markets.
A self-custodial account on NEAR for your dollars and your investments. Hold USDC, pay people and buy tokenized stocks and ETFs, with balances and payments kept off the public ledger.
Early preview on NEAR mainnet. Balances, prices and quotes are real; payments and orders switch on one by one after each passes a live test. The demo needs no sign-up.
THE PROBLEM
On a public blockchain, every payment is permanent and searchable. Anyone who learns your address can see what you earn, what you hold and every trade you make. Lumen keeps the self-custody of crypto and takes your finances off the public record.
Three steps. Nothing on display.
Add
Bring USDC from NEAR, Base, Ethereum, Arbitrum or Solana into your private balance.
Send
Pay any NEAR Intents account. The amount and recipient stay off the public ledger.
Invest
Buy tokenized stocks and ETFs, including gold and silver, from the same balance.
PRIVATE CASH
Money that stays yours.
Your dollars sit in a confidential USDC balance. Payments to other NEAR Intents accounts settle there, so amounts and recipients never appear on a public block explorer. Money coming in or going out is still visible on its own chain.
Example screen
CONFIDENTIAL INVESTMENTS
Wall Street, discreetly.
Tokenized US stocks and ETFs from Ondo Global Markets, bought from your private cash through NEAR Intents. Each token tracks its underlying asset and gives economic exposure only: no voting rights, and no direct ownership of shares or gold.
STRATEGIES AND INTELLIGENCE
Invest together. Research with sources.
Lumen Strategies
Browse model allocations that other Lumen investors publish across stocks, ETFs and gold. Each one's track record starts the day it's published, priced from NEAR Intents. Follow a strategy to get its updates, or copy its allocation: every buy is still yours to review and sign. Publish your own and choose what you share.
- Allocation · always
- Holdings check · if chosen
- Value range · if chosen
- Account id · off by default
Returns appear once Lumen has recorded prices for a published strategy, from NEAR Intents. Following never trades for you.
Lumen Intelligence
Real price moves, headlines and SEC filings for every Lumen asset, each with its source and time. Analyse your own allocation in your browser and set alerts for the moves you care about. A private AI assistant, running on NEAR AI's attested hardware, is coming next.
One account. The whole picture.
Cash and investments in one place, valued at current prices. You pay from the same balance you invest from.
Private, not hidden.
Privacy you can explain to your accountant. Here is exactly what stays confidential, what is still public, and who else sees your details.
- Self-custodial. Your account is controlled by a passkey on your device. Lumen never sees its private key, and never holds your funds.
- Confidential Intents. Balances and transfers are kept on a private NEAR shard, run by permissioned validators on trusted hardware (TEE).
- Signed statements. Export your balances as a file signed with your passkey, for an accountant or a tax filing.
Confidential Intents relies on trusted hardware and NEAR's permissioned validators. It is not zero-knowledge cryptography. In this preview, Lumen reads real balances and quotes; confidential payments and orders switch on after each passes a live test on mainnet.
For people who would rather not be watched
Questions, answered.
The short version. The privacy section above has the full detail.
A self-custodial account on NEAR for your dollars and your investments. You hold USDC, pay other NEAR Intents accounts and buy tokenized stocks and ETFs from one balance. Lumen is an early preview: balances, prices and quotes are real, and payments and orders switch on one by one after each passes a live test on mainnet.
Your balance lives in NEAR Intents, using Confidential Intents: a private NEAR shard run by permissioned validators on trusted hardware (TEE). Balances and transfers kept there don't appear on public block explorers. The privacy rests on that hardware and those validators; it is not zero-knowledge cryptography.
Payments between NEAR Intents accounts are: the amount and recipient aren't published. Money you add or withdraw is still visible on the chain it uses, and matching amounts and timing can link it to you. Lumen's server and NEAR Intents see the details of each quote. In this preview, payments open after a live test. See who sees what.
16 tokenized assets: US stocks such as NVIDIA, Apple, Microsoft and Tesla, the Nasdaq 100 and S&P 500 ETFs, and gold and silver ETFs, all issued by Ondo Global Markets. Each token tracks its underlying asset and gives economic exposure only: no voting rights and no direct ownership. The minimum order is $30, and they aren't available to US persons or in restricted jurisdictions. Prices can fall as well as rise.
Model allocations that Lumen investors publish across stocks, ETFs and gold. Each shows its return since publishing, calculated from prices Lumen records from NEAR Intents (a model, not the creator's actual trades, and without fees), and the prices are downloadable so anyone can check it. Creators choose what they share beyond the allocation. Following a strategy only sends you its updates: it never trades for you, and copying an allocation opens a normal order for each asset that you review and sign yourself.
Research for every Lumen asset: recent price moves, headlines and SEC filings, each with its source and time, plus an analysis of your own allocation that runs in your browser, and alerts you set. It is informational, not advice, and it never places orders. Ask Lumen, an AI assistant that will run on NEAR AI models inside attested hardware, is coming next; until then there are no AI-generated answers.
Lumen is self-custodial. Your passkey, or your own MetaMask or NEAR wallet, signs every order, and Lumen never sees its private key or holds your funds; they sit in the NEAR Intents contract on NEAR. Every order shows what you pay and receive before you sign. Smart contracts, trusted hardware and token issuers still carry risk, and Lumen has not had an independent security audit.
Your finances, finally yours.
Create a passkey on your device and you're in. No seed phrase, nothing to install.