Terms and risks

Hackathon software. Lumen is an experimental project built for the NEAR Hackathon (November 2026). Use only small amounts you can afford to lose.

Preview status. Lumen reads real balances, prices and quotes from NEAR Intents. Adding money, payments, withdrawals and orders are switched on one by one, only after each has passed a live test on mainnet. Until then the app labels them “Preview only” and moves no money. Prices shown outside a quote are indicative.

Self-custodial. Your account is controlled by a passkey on your device. Lumen never sees its private key, never holds your funds, and cannot recover your account if you lose access to your passkey.

Privacy model. Lumen uses NEAR Confidential Intents, which processes transactions on a private NEAR shard run by permissioned validators and secured by trusted hardware (TEE). It is not zero-knowledge. Deposits and withdrawals remain visible on their own chains. Lumen's server and the NEAR Intents API see order details when quoting.

Tokenized assets. Stock and ETF tokens are issued by Ondo Global Markets. They give economic exposure to the underlying asset and are not direct ownership of shares. The gold token tracks SPDR Gold Shares (GLD), an exchange-traded fund that holds gold; it is not ownership of physical gold. They are not available to US persons, and may require professional-investor status in some jurisdictions. Prices can fall as well as rise.

No advice. Nothing in Lumen is investment, tax or legal advice.