Terms of Use

The agreement between you and LumosCore OÜ.

Last updated 29 August 2026 · LumosCore OÜ, Estonia

These terms govern your use of LumosCore, operated by LumosCore OÜ, a company registered in Estonia. By using the site you agree to them. If you do not agree, do not use it.

Who can use LumosCore

You must be at least 18 and legally able to enter into this agreement where you live.

LumosCore is not currently available to residents of the European Union. It is also not offered to anyone in a jurisdiction where using it would break local law, or to anyone subject to applicable sanctions.

You are responsible for knowing the rules that apply to you. Do not use a VPN or any other method to get around this restriction.

What LumosCore is

LumosCore is a non-custodial interface to the Stellar network and to Circle’s CCTP bridge. We never take possession of your assets. Every transaction is built in your browser and signed by your own wallet — we cannot move your funds, reverse a transaction, or recover one sent to the wrong place.

Once a transaction is signed and submitted it is final. The blockchain does not have an undo.

You accept the risk

Trading digital assets carries real risk of loss, and you take it on knowingly. In particular:

• Prices move, and can move violently. An asset can lose most or all of its value in a short time. Any profit or loss is yours.
• Liquidity pools can return less than you deposited. As prices move the pool rebalances, and the fees you earn may not cover the difference.
• Assets can fail. An issuer may mint more, abandon a project, or turn out to be fraudulent. A listing on LumosCore is not a promise that any asset is sound.
• Nothing here is financial advice. We do not recommend assets, and nothing on the site is an offer or solicitation to buy or sell anything.

What a verified tick means

A verified mark means we checked that an asset comes from the issuer it claims — either because the issuer proves it through its own domain, or because LumosCore has reviewed and curated it. It is a check on identity, not quality. It is not an endorsement, not a rating, and not a view on whether an asset is a good investment.

Fees

LumosCore charges 0.2% on a trade, reduced to 0.1% if you hold at least 250,000 LUMOS. Network fees are paid to the relevant blockchain, not to us. Fees for listing and for token issuance are shown before you commit to them. We may change our fees, and the current fees are always the ones shown in the interface.

Your responsibilities

• Keep your wallet, keys and recovery phrase safe. We cannot recover them, and anyone who has them controls your funds.
• Check the asset, the issuer and the amounts before you sign anything.
• Do not use LumosCore for anything unlawful, and do not attempt to attack, overload or interfere with the site.

Availability

We provide LumosCore as it is, without warranty of any kind. We do not promise it will be available without interruption or free of errors, and we may change or withdraw any part of it. Much of what you see comes from public networks and third-party services we do not control.

Limitation of liability

To the fullest extent the law allows, LumosCore OÜ is not liable for any loss of funds, profits or data arising from your use of the platform, including losses caused by price movements, your own transactions, faults in a blockchain or third-party service, or assets that fail or turn out to be fraudulent.

Governing law

These terms are governed by the laws of Estonia, and disputes are subject to the Estonian courts.

Changes

We may update these terms. The current version is always the one on this page, and continuing to use LumosCore after a change means you accept it.

Contact

Questions about these terms go through the Support page.