Book a Demo CONVERSATIONAL AI · REMITTANCE & CROSS-BORDER
Conversational AI for remittance companies: transfer status, recipient and KYC issues, fees and rates, failed transfers. Lumi verifies, resolves, and follows the regulated path — inside your stack, in the sender’s language.
One demo line · every fintech workflow
Try: “I want to open a business account.”
No signup, no sales rep — just call it.
Take an inbound call from a founder exploring Northwind Pay for their business, understand their company, volume, and use case, explain the account tiers and pricing plainly, and route a qualified lead to the right onboarding specialist.
Thanks for calling Northwind Pay — this is Marcus. How can I help you today?
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Take an inbound call from a founder exploring Northwind Pay for their business, understand their company, volume, and use case, explain the account tiers and pricing plainly, and route a qualified lead to the right onboarding specialist.
+270 moreResolution rate
Always available
Languages
Avg. handle time
Platform integrations
Keep your rails. Lumi works on top of them.
No rip-and-replace — Lumi layers onto your ledger, payout partners, KYC, and help desk. 270+ integrations.
StripeAdAdyenChCheckout.comMaMarqetaGaGalileoPlPlaidSuSumsubPePersonaAlAlloyOnOnfido
ZendeskTwilioThe inbound loop
Different corridors, one pattern: a sender who moved money that matters and needs to know it’s safe — arriving at every hour, in every language, exactly when a canned SLA reply makes things worse.
A sender who wired rent or a medical bill and needs the real status — pending, in transit, or paid out — not a canned “allow 1–3 business days.”
A failed or rejected transfer where the funds are actually in limbo. The one question that has to be answered truthfully and fast, or trust is gone.
A compliance or verification hold the sender doesn't understand. Lumi explains what's needed and collects the document — it never rules on the hold itself.
A payout-side problem at the receiving agent or bank — traced, explained, and escalated to the corridor team with the reference already attached.
The pre-send question that decides whether the transfer happens here or on a competitor's app — answered instantly in the sender's language.
The sender who can’t get a real answer is one bad reply from churning — and telling their whole community. A system should read the status and explain the hold before frustration sets in.
What is conversational AI for remittance?
Conversational AI for remittance authenticates the sender, then reads the real state of a cross-border transfer — submitted, in review, in transit, or paid out — from your ledger and explains it plainly, 24/7, in 70+ languages. It answers rate, fee, and limit questions before a send, collects the verification document that clears a compliance hold, and traces a failed payout leg. Crucially it assists and never decides: it never adjudicates a compliance hold, clears a flagged transaction, or makes an AML or sanctions determination — those route to your compliance team by design, with fraud claims and funds-in-limbo disputes escalated to a human immediately, on an authenticated, least-privilege, fully-logged basis.
The difference a sender feels
A generic chatbot or ticket backlog
Lumi
“Allow 1–3 business days” to a sender watching their rent money is how you lose a corridor. A real status read is the sender you keep — authenticated, answered, and routed if it’s regulated.
The status question is just the front door
Whatever a sender asks, Lumi handles the support work — status, holds, rates, payout traces — and hands anything regulated to the right person, in the sender’s own language.
In-app chat, SMS, WhatsApp, voice, email — the sender who checks status in the app and messages on WhatsApp stays one conversation, with the transfer reference carried across all of it.
Authenticates the sender, then reads the actual transfer state — pending, in review, in transit, paid out — from your ledger, and explains it plainly instead of quoting a generic SLA.
When a transfer is held for verification, Lumi explains what's needed and collects the ID or proof securely — it never decides whether the hold clears; that stays with your compliance team.
Cash-pickup not available, bank deposit not landed, wrong receiving details — Lumi traces the payout side, explains it, and escalates the stuck corridor with the reference attached.
70+ languages, around the clock — the sender in their kitchen at midnight gets answered in Tagalog, Spanish, or Twi, and the summary lands in your system in English for the team.
Your ledger, your payout partners, Plaid, Sumsub, Zendesk — Lumi reads and writes where your ops team already works. No rip-and-replace, no side spreadsheet.
Why “where’s my money?” can’t wait
Submitted, in review, settling, paid out — the sender doesn’t know the stages, only that their money is somewhere they can’t see. Here’s the transfer as Lumi tracks it, and exactly where it assists versus routes.
The sender funds the transfer and the clock starts in their head — this is rent, tuition, a medical bill. Every quiet minute feels like the money vanished.
Lumiconfirms the transfer was received and quotes the expected payout window for the corridor.
The transfer hits a compliance or verification check. The sender sees “on hold” and panics that the money is lost or seized.
Lumiexplains a review is normal, collects any verification document needed — and never rules on the hold itself.
Funds move across the corridor to the payout partner. The sender re-checks the app every few minutes and messages support when nothing changes.
Lumireads the live ledger state and tells the sender exactly where the money is right now.
Cash pickup, wallet, or bank deposit on the receiving end — or a payout-leg failure that leaves the recipient empty-handed.
Lumiconfirms the payout, or traces the failure and escalates the corridor to your team with the reference.
The review state is where trust is won or lost. Lumi explains it and collects the document — it never rules on the hold. That stays with compliance.
Built for a regulated money-movement business
A support line on top of a money transmitter needs walls, not improvisation. These four are wired in before the first sender — so support never crosses into a compliance decision.
Lumi reads transfer status, explains holds, and collects documents. It never adjudicates a compliance hold, clears a flagged transaction, or makes an AML or sanctions determination — those are your compliance team's calls, always, by design.
No transfer detail is discussed until the sender is verified with a one-time code. Lumi operates on least-privilege, scoped permissions — it reads and updates only what you allow, and every action is written to an immutable log.
Fraud claims, funds-in-limbo disputes, sanctions or AML flags, and anything that smells like a chargeback are escalated to your team with the full authenticated context attached — never resolved by the AI alone.
Lumi reads and writes your ledger, payout partners, and KYC provider — you keep the money-movement systems you run. There's nothing to migrate and no fund movement that isn't yours.
Questions, answered
No, and it's built not to. Lumi reads transfer status, explains holds, and collects verification documents. It never moves funds, clears a flagged transaction, releases a compliance hold, or makes an AML or sanctions determination — those are your compliance team's calls, always. It authenticates the sender before discussing any transfer, operates on least-privilege scoped permissions, and logs every action.
It explains that a review is normal, tells the sender in plain language what's needed, and collects the document securely so your team can act. It never rules on whether the hold clears — the determination stays with your compliance team, and anything sanctions- or AML-adjacent is escalated to a human by design.
70+, detected automatically. The sender who initiates a transfer in Tagalog gets status, hold explanations, and payout traces in Tagalog — and the summary lands in your system in English for the corridor team. For remittance, that's not a feature; it's the business.
Your ledger, your payout partners, your KYC provider (Sumsub, Persona, Alloy, Onfido), and your help desk (Zendesk, Twilio) — it reads the real transfer state before responding and writes back every action. You keep the money-movement systems you run; there's nothing to migrate and no fund movement that isn't yours.
It captures a clean, authenticated intake and escalates to your team immediately with the full context and transfer reference attached. Fraud claims, disputes, and the regulated edge are never resolved by the AI alone — they route to a human by design.
Flat monthly pricing based on the channels and workflows you switch on — deliberately not per-resolution, because support cost shouldn't compound with corridor volume. Bring your volume and stack to a demo and we'll scope it precisely.
Guides & comparisons
Give it your support line.
Open the demo and treat it the way your senders do — ask where a transfer is, ask why one’s on hold, then push for a decision on the hold. Then bring your corridors and your stack to a walkthrough.
(986) 249-0330
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