•••• •••• •••• 8412
Free
Lumina Halo
- 3.8% APY on stablecoin deposits
- 1% cashback on all purchases
- $0 annual fee, forever
- Instant virtual card on approval
- Accepted at 100M+ Visa merchants
The card that
pays its own bill.
Deposit stablecoins. Earn yield. Lumina automatically routes that yield to cover your monthly statement. Your balance pays itself, every time.
No credit check. No hidden fees. USDC & USDT supported.
Built different, by design.
Lumina isn't a crypto card bolted onto a bank. It's a financial primitive re-engineered from the ground up.
01. Secure your capital.
Deposit USDC, USDT, or DAI into our audited smart contracts. Your funds remain 100% liquid and you never have to sell your assets.
Total Secured
$41,280.47
USDC
02. The Yield Engine.
Our algorithmic engine routes your stablecoins to the highest-yielding, risk-adjusted protocols, compounding your profits automatically.
Earned today
+$5.5437
APY 4.9%
1D
1W
1M
1Y
6AM9AM12PM3PMNow
Active Pool
Lido Finance
stETH · 4.9% APY
Change pool
03. Real-time limit sync.
As your crypto generates yield, your Lumina Card credit limit increases second by second. Your profit literally becomes your purchasing power.
Yield Earned
$450.00
Available Credit
$450.00
Updates every block · ~12s
04. Swipe globally.
Use your Lumina Card at millions of merchants. We instantly convert your accrued yield to fiat at the exact moment of sale.
Payment Approved
Starbucks — $12.53 charged to your Eclipse Card
Paid from yield · balance unchanged
05. Always liquid. Send anywhere.
Your stablecoins never get locked up. Withdraw, send to any wallet, or bridge to any chain.
Send
Ethereum
$2,500.00
USDC
USDC
To
0x4f3c…9a2d
Network fee
~$0.18
Confirm & Send
One card for every ambition.
Three tiers. Each one designed to grow with you, from your first deposit to your boldest financial move.
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Lumina Eclipse
- 4.9% APY on stablecoin deposits
- 2% cashback on dining & travel
- Up to $50,000 credit limit
- Priority 24/7 customer support
- Real-time spending analytics
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Apex Tier
Lumina Gold
- 6.2% APY on stablecoin deposits
- 3% cashback on every purchase
- Unlimited credit limit
- Global airport lounge access
- Dedicated relationship manager
Three steps. Zero friction.
Set it up once. Let the yield do the rest.
Step 1
Step 2
Step 3
USDC
Ethereum
$25,000
MAX
POOL SELECTED
APY4.9%
Lido Finance
stETH · Ethereum
Total in pool
$347,853 USDC
Deposit stablecoins
Connect your wallet and deposit USDC/USDT as collateral. Your funds stay on-chain and start generating yield immediately.
Virtual card ready
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Monthly limit · $18,342
Receive your Lumina card
A physical or virtual Visa card is issued instantly. Your credit limit mirrors your collateral value in real time.
April 2026
Purchases
$147.30
Interest
$0.00
Yield balance
−$147.30
Amount due
$0.00
🎉 Congrats! You paid with your Yield balance
Yield pays your bill
At month-end, accrued yield is applied to your statement balance automatically. Most users pay $0.00.
Built for the bold
Spend your yield.
Keep your crypto.
Lumina turns the interest your stablecoins earn into real purchasing power, without ever touching your principal.
Get your Lumina CardStill have
questions?
Everything you need to know about your collateral, yield, card limits, and how Lumina works under the hood.
- It's a Visa credit card powered entirely by your stablecoin yield. You deposit stablecoins as collateral, they earn yield in audited DeFi protocols, and that yield automatically pays your monthly statement — no manual transfers needed.
- Never. Your principal stays locked as collateral at all times. Only the yield your assets generate is used to cover purchases — your crypto position is always intact and accruing value.
- We currently support USDC, USDT, and DAI. Additional stablecoins and select liquid-staking tokens are being added ahead of our public launch in Q3 2026.
- Your stablecoins are held in audited, non-custodial smart contracts. Lumina never has direct access to your funds — only the yield routing layer interacts with them. Audits are public and available on our security page.
- Any remaining balance after yield is applied is interest-free for 30 days. After that, a flat 2.9% rate applies — far below the industry average of 27%. You can also top up with a direct stablecoin payment anytime.
- It's a true credit card: monthly billing cycle, itemised statement, optional credit-bureau reporting to help build your score, and full fraud protection under Visa's Zero Liability policy.
- Everywhere Visa is accepted — over 150 million merchants worldwide, online and in-store. No special crypto-friendly terminal required. It works just like any regular card at checkout.
- We're launching in the US, Canada, UK, and select EU countries in Q3 2026. Join the waitlist to be notified as soon as your region goes live and to lock in your early-access tier.