# Lumin Digital

> Cloud-native digital banking platform for credit unions and community banks. Founded 2016 by Jeff
> Chambers; headquartered in San Ramon, California. Single-tenant microservices architecture layered
> on top of an institution's existing core banking processor. Serves ~90 financial institutions and
> nearly 8 million consumer accounts.

Generated by API Evangelist on 2026-08-25 from the company's public website and probes of its hosts.
Lumin Digital does not publish an llms.txt of its own (https://lumindigital.com/llms.txt returns 404).

## Important for agents

Lumin Digital HAS an API and an SDK, but publishes NO machine-readable contract publicly. There is no
OpenAPI, AsyncAPI, GraphQL SDL, Postman collection, MCP server or A2A agent card at any reachable
host. The API reference, SDK downloads and developer portal are distributed through the authenticated
client portal at https://clients.lumindigital.com/, which redirects every unauthenticated request to
/login. An agent cannot call this API without a financial-institution or ecosystem-partner
relationship. Do not attempt to infer endpoints — the platform is deployed single-tenant per
institution and has no single public base URL.

Two unrelated companies are easily confused with this one and must NOT be attributed to it:
Lumin PDF / Lumin Sign (luminpdf.com, developers.luminpdf.com) and Lumen Technologies (lumen.com).

## Platform

- [Technology](https://lumindigital.com/technology/): architecture, scalability, reliability, security
- [Extensibility](https://lumindigital.com/extensibility/): the SDK, the platform APIs, the developer portal
- [Ecosystem](https://lumindigital.com/ecosystem/): 200+ third-party integrations available or in development
- [Ecosystem profiles](https://lumindigital.com/ecosystem-profiles/): the partner directory

## Products

- [Retail banking](https://lumindigital.com/retail-banking/)
- [Commercial banking](https://lumindigital.com/commercial-banking/)
- [Digital account opening](https://lumindigital.com/digital-account-opening/)
- [User engagement](https://lumindigital.com/user-engagement/)
- [Admin & support portal](https://lumindigital.com/admin-support-portal/)
- [Risk management](https://lumindigital.com/risk-management/)
- [Digital marketing](https://lumindigital.com/digital-marketing/)
- [Data & analytics](https://lumindigital.com/data-analytics/)

## Who they serve

- [Credit unions](https://lumindigital.com/credit-unions/)
- [Banks](https://lumindigital.com/banks/)

## Developer access

- [SDK licence agreement](https://lumindigital.com/software-development-kit-license-agreement/)
- [Client portal / developer portal (login required)](https://clients.lumindigital.com/)
- [GitHub organisation](https://github.com/lumindigital) — 2 public repositories
- [@lumindigital/juno](https://www.npmjs.com/package/@lumindigital/juno) — first-party MIT CLI that
  generates Argo Workflows from TypeScript. v2.7.0, published 2026-08-20. This is internal developer
  tooling, NOT a client library for the banking API.

## Security and compliance

- [Security](https://lumindigital.com/security/): SOC 2 Trust Services Criteria, PCI Data Security
  Standard, GLBA-aligned frameworks; responsible-disclosure process and a published PGP key
- [security.txt](https://lumindigital.com/.well-known/security.txt) (RFC 9116, HTTP 200)
- Vulnerability disclosure: security-disclosure@lumindigital.com
- [Trust centre](https://trust.lumindigital.com/) — TrustShare-hosted; JavaScript-rendered, contents
  not machine-readable
- Domain posture (probed 2026-08-25): TLS 1.3, HSTS max-age 63072000, DNSSEC enabled, SPF present,
  DMARC p=reject

## Company

- [About](https://lumindigital.com/about-us/)
- [Insights](https://lumindigital.com/insights/) · [RSS](https://lumindigital.com/feed/)
- [News](https://lumindigital.com/news/)
- [Careers](https://lumindigital.com/careers/)
- [Terms of use](https://lumindigital.com/terms-of-use/)
- [Privacy policy](https://lumindigital.com/privacy-policy/)
- [Acceptable use policy](https://lumindigital.com/aup/)
- [Accessibility](https://lumindigital.com/accessibility/)

## Not published

No public pricing (enterprise contract, quote-based). No public status page. No public changelog or
release notes. No documented rate limits. No published deprecation or versioning policy. No public
error catalogue. No MCP server. No A2A agent card.