Disclosures — WORKING DRAFT v1
Last updated: July 6, 2026
This page expands on the Notice that appears across our site, product by product, in plain language.
1. Lucrum is software
Lucrum is software that helps businesses manage their payment operations. Lucrum (operated by Santosha Digital US Ltd., Miami Beach, FL) is not a bank, money transmitter, money services business, or financial institution, and does not hold customer funds.
2. Your wallet is self-custodial
Crypto custody in Lucrum is non-custodial: you control your keys, and your digital assets sit in an account only you can open. Lucrum cannot access, freeze, or recover your assets. This control comes with responsibility — if you lose your device and recovery methods, your assets cannot be restored by Lucrum or anyone else. Blockchain transactions are irreversible once confirmed.
3. Cards and card processing
Card payments you accept through Lucrum are processed by Stripe, Inc., under Stripe's terms. Card issuance features shown as "coming soon" will be provided through licensed partner institutions where available and are not yet offered.
4. Banking rails
Send/receive features over local rails (ACH, SEPA, PIX, SPEI) and virtual accounts are provided by Bridge, a Stripe company, under Bridge's terms, where available. These features involve stablecoin settlement to your self-custody account. Availability varies by region, and features marked "coming soon" are not yet offered.
5. Exchange
Token swaps execute on public blockchain infrastructure with routing by third-party aggregators (e.g., Jupiter on Solana).
Prices are set by the market, not by Lucrum; network fees apply; and Lucrum never takes custody of your tokens.
Digital-asset prices are volatile — the value of what you hold can go down as well as up, and auto-conversion features reflect market rates at execution time.
6. Rewards (LUC$)
LUC$ are promotional reward points earned for using Lucrum. They are not deposits, investments, securities, or legal tender. Reward program terms, including how points can be used, appear in the app and may change.
7. Launchpad
Lucrum Launchpad provides software tools that let third-party businesses run token-based fundraising campaigns. Lucrum is not the issuer of any token offered on Launchpad and does not provide investment, legal, or tax advice.
Campaign funds are held in smart-contract escrow and release according to the campaign's published terms.
Token offerings are subject to applicable laws, may be restricted by jurisdiction, and will be available region by region. Backing a business involves risk, including total loss; every campaign's terms control.
8. Regional availability
Cryptocurrency services, banking rails, cards, and Launchpad are each subject to regional availability and local regulations. Where a feature isn't available in your region, it will not be offered to you in the app.
9. No advice
Nothing on our site or in our products is investment, legal, accounting, or tax advice. Talk to your own advisors about your situation.