aid: lumin-digital
name: Lumin Digital
description: >-
  Lumin Digital is a cloud-native digital banking platform for credit unions and community banks,
  founded in 2016 by Jeff Chambers and headquartered in San Ramon, California. The platform is built
  on a single-tenant, microservices architecture and sits on top of an institution's existing core
  banking processor, delivering retail banking, commercial banking, digital account opening, user
  engagement, risk management, digital marketing and data analytics as modules. Its extensibility
  layer is API- and SDK-based: Lumin publishes a client SDK and a partner API programme that connects
  the platform to a stated 200+ third-party fintech solutions, and a developer portal used by
  financial institutions and integration partners to move data into and out of digital banking. The
  API reference, SDK downloads and developer portal are reachable only through the authenticated
  client portal at clients.lumindigital.com, so no machine-readable contract is published publicly.
url: https://raw.githubusercontent.com/api-evangelist/lumin-digital/refs/heads/main/apis.yml
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
image: https://lumindigital.com/wp-content/uploads/2024/07/logo-lumin-rev.svg
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-08-25'
modified: '2026-08-25'
tags:
- Digital Banking
- Banking
- Credit Unions
- Financial-Services
- Fintech
- Core Banking
- Digital Account Opening
- Payments
- Commercial Banking
- Software-as-a-Service
tags_raw:
- Digital Banking
- Banking
- Credit Unions
- Financial Services
- Fintech
- Core Banking
- Digital Account Opening
- Payments
- Commercial Banking
- SaaS
apis:
- aid: lumin-digital-platform
  name: Lumin Digital Platform APIs
  description: >-
    Lumin Digital's platform API and SDK surface, used by financial institutions and by ecosystem
    partners to integrate third-party products into the digital banking experience and to move data
    between the platform, the core processor and third parties. Marketed publicly on the
    extensibility and ecosystem pages; the reference, spec and SDK artifacts are distributed through
    the authenticated client portal, and the platform is deployed single-tenant per institution so
    no single public base URL is published.
  humanURL: https://lumindigital.com/extensibility/
  x-base-url-finding: >-
    repair-api-bases.py verdict `missing` (2026-08-25). Left missing deliberately rather than guessed.
    Lumin Digital documents no API base URL anywhere public — the platform is deployed single-tenant
    per financial institution, so each client's host differs, and the reference that would name it is
    behind https://clients.lumindigital.com/login. api.demo.lumindigital.com resolves and terminates
    TLS but is the demo tenant's app host, answers 404 at root and on every spec path, and is not
    documented as an API base; recording it as baseURL would assert a contract that was never
    published.
  tags:
  - Digital Banking
  - Extensibility
  - Partner Integration
  properties:
  - type: Overview
    url: https://lumindigital.com/extensibility/
  - type: Ecosystem
    url: https://lumindigital.com/ecosystem/
  - type: SDKLicense
    url: https://lumindigital.com/software-development-kit-license-agreement/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://lumindigital.com/
- type: Support
  url: https://clients.lumindigital.com/
- type: Blog
  url: https://lumindigital.com/insights/
- type: BlogRSS
  url: https://lumindigital.com/feed/
- type: News
  url: https://lumindigital.com/news/
- type: GitHubOrganization
  url: https://github.com/lumindigital
- type: TermsOfService
  url: https://lumindigital.com/terms-of-use/
- type: PrivacyPolicy
  url: https://lumindigital.com/privacy-policy/
- type: AcceptableUsePolicy
  url: https://lumindigital.com/aup/
- type: Accessibility
  url: https://lumindigital.com/accessibility/
- type: Login
  url: https://clients.lumindigital.com/login
- type: Security
  url: https://lumindigital.com/security/
- type: TrustCenter
  url: https://trust.lumindigital.com/
- type: Compliance
  url: conformance/lumin-digital-conformance.yml
- type: Conformance
  url: conformance/lumin-digital-conformance.yml
- type: SecurityTxt
  url: well-known/lumin-digital-security.txt
- type: WellKnown
  url: well-known/lumin-digital-well-known.yml
- type: VulnerabilityDisclosure
  url: security/lumin-digital-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/lumin-digital-domain-security.yml
- type: Packages
  url: packages/lumin-digital-packages.yml
- type: CLI
  url: cli/lumin-digital-cli.yml
- type: Lifecycle
  url: lifecycle/lumin-digital-lifecycle.yml
- type: Conventions
  url: conventions/lumin-digital-conventions.yml
- type: Plans
  url: plans/lumin-digital-plans-pricing.yml
- type: RateLimits
  url: rate-limits/lumin-digital-rate-limits.yml
- type: Components
  url: components/lumin-digital-components.yml
- type: LLMsTxt
  url: llms/lumin-digital-llms.txt
x-enrichment:
  date: '2026-08-25'
  status: minimal
  artifacts_added: 15
  pass: local-v1
x-coverage:
  state: gated
  reason: partner-login
  detail: >-
    Lumin Digital markets platform APIs, an SDK and a developer portal on lumindigital.com, but every
    developer path resolves into the client portal at clients.lumindigital.com, which 302s to
    /login?ReturnUrl= for /docs and for every other path including /.well-known/*, and the 31-page
    public sitemap contains no developer, API-reference or spec page at all.
  evidence:
  - url: https://clients.lumindigital.com/docs
    status: 302
  - url: https://lumindigital.com/page-sitemap.xml
    status: 200
  - url: https://api.demo.lumindigital.com/openapi.json
    status: 404
  - url: https://lumindigital.com/.well-known/security.txt
    status: 200
  checked: '2026-08-25'