Overview

Abstract

Version: 1.0 Date: February 2, 2026

This paper introduces Lumexo, a self-custodial wallet and decentralized finance interface built on the Stellar network. Lumexo provides a unified environment for asset management, on-chain trading, liquidity provision, and decentralized lending, while preserving full user control over private keys.

By integrating native decentralized exchange access, liquidity pools, fiat on-ramps, lending protocols, and other decentralized financial primitives into a single non-custodial interface, Lumexo reduces fragmentation across financial tools and simplifies access to decentralized markets without compromising security or performance.

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Introduction

Self-custodial wallets serve as the primary access point to decentralized finance. They are responsible not only for asset storage, but also for enabling interaction with on-chain liquidity, trading venues, and financial protocols.

Despite this central role, most wallets remain functionally fragmented, forcing users to rely on multiple platforms to manage assets, trade, provide liquidity, or access lending markets.

This fragmentation introduces unnecessary complexity, inconsistent security models, and operational risk. Users are often required to move assets between applications, expose themselves to varying trust assumptions, or sacrifice usability in order to retain custody of their funds. As decentralized finance expands in scope, this disjointed approach becomes increasingly inefficient.

Lumexo represents a unified approach to self-custodial wallet design, consolidating core wallet functionality with native access to the DEX, liquidity pools, fiat on-ramps, and decentralized financial protocols within a single non-custodial interface.

The current implementation of Lumexo is built on the Stellar network. By combining client-side cryptographic security with integrated protocol access, Lumexo enables users to interact with decentralized markets efficiently while maintaining full control over their assets.