Bill in USD. Live in local currency. See your real cash without juggling three apps.
If you bill clients abroad and pay rent, cards and suppliers in local currency, your real cash changes every day. Lumfi tells you the number.
“Cuando vivo entre Stripe, Wise y mi cuenta del banco local, dejar el pilotaje a una sola pantalla es lo único que me devuelve el tiempo del lunes.”
What hurts on Mondays
Your “balance” lies
The bank shows one number, but between FX, taxes and pending receivables, you don't know what's really yours.
Excel + Notion + 3 accounts
You spend Monday morning consolidating how many USD are coming and at what rate. By the time you're done, it's Tuesday.
Client pays, bank delays
Wise, Payoneer, direct transfer — each on its own clock. Your flow gets distorted and you only notice when it's too late.
Real outcomes, not promises
One number, two currencies
Lumfi shows your cash in USD and local currency with live FX.
Receivables with probability
Each receivable carries a confidence %. Lumfi weights it and tells you what you can really count on this month.
Telegram bot to log
“Got 3,500 USD from client X.” Done. Conversion, account and category filled.
Lumfi, calibrated for you
FX automático multi-moneda
Tasas reales actualizadas. Configura una cuenta en USD y otra en COP/MXN/ARS — Lumfi consolida todo en tu moneda principal.
Receivables con probabilidad
Asigna 95% a un cliente confiable y 60% a uno nuevo. Tu pronóstico ya no es optimista, es honesto.
Bot de Telegram
Registra ingresos y gastos por chat. El bot entiende lenguaje natural y categoriza por ti.
Alerta de límite seguro
Antes de comprar el monitor de 800 USD, Lumfi te avisa si vas bien o si comprometes la quincena.
From sign-up to your first answer in 4 minutes
Conecta tus cuentas (manual)
Cuenta USD (Wise/Payoneer), cuenta local, tarjeta de crédito. 2 minutos.
Carga tus contratos como receivables
Cliente X: 3.000 USD mensual, día 5. Cliente Y: proyecto cerrado de 8.000 USD en 3 pagos. Lumfi pondera por probabilidad.
Mira tu safe-to-use
Lumfi cruza cash + receivables × probabilidad − pagos comprometidos. Te da un solo número por semana.