How Lumanu Works

You decide who gets paid, how much, and when. Lumanu handles the rest: it holds and moves the money, onboards your vendors, and keeps every payment compliant and auditable for your finance team.

Everything in Lumanu is built on four building blocks.

A workspace is one financial entity, usually one brand or one client. Each workspace has its own balance, its own approvals, and its own dedicated bank account and routing number. Your finance team can pay into it the same way they pay any other vendor.

A vendor is anyone you pay: creators, influencers, agencies, or contractors. Vendors sign up and complete their identity and tax checks once, across the whole Lumanu network. After that, any brand on Lumanu can pay them without asking them to onboard again.

A payout says who should be paid, how much, and for what. Creating a payout doesn’t move any money. It records the payment you intend to make, so it can be reviewed and approved first.

Funding moves money into your workspace so your approved payouts can be paid. Funding is its own step because in most companies, money is sent by a finance team, often in batches, after approvals are done.

1. Add a payout for a vendor.

2. Approve the payout.

3. Fund your workspace, before or after you approve. See Pre-Funding vs. Post-Funding.

4. Lumanu pays your vendor once they’ve finished onboarding.

You can add, approve, and fund payouts for a vendor who hasn’t finished onboarding yet. Lumanu holds the money and releases it as soon as their onboarding is complete.