Case · fintech / web3 / 2026
LUMEN — Fractional investment in real-world assets
LUMEN lets people invest in a share of a real asset — real estate, land or a business — instead of buying it whole.
Every share comes with an NFT certificate of ownership on chain, monthly income payouts and the option to resell it on an internal OTC marketplace.
Investors use a mobile cabinet with portfolio, income and wallet; the team runs assets, pools, KYC, payouts and risk on a web platform of about a hundred screens.
The blockchain is the register of ownership; the economics stay on the platform.
- Product & services
- Platform architecture
- Smart contracts and NFT ownership
- Investor app (Expo)
- Staff platform
- KYC
- Payouts and risk engine
- Year
- 2026
Context
The challenge
Co-investment needs trust on three levels: that the asset is real, that ownership is recorded, and that the income actually arrives.
At the same time the operation behind it — pools, compliance, payouts, partner settlements — had to stay manageable for a small team.
Solution
The approach
The product is split by audience: a full web platform for the team, a focused mobile cabinet for investors and a mobile console for daily approvals. Ownership is mirrored as NFTs on chain, while pools, payouts and settlements run on the backend under a risk engine.
LUMEN
Screenshots
Services
Services behind this case
- Mobile app developmentiOS and Android apps on React Native and Expo, with the backend and admin behind them.
- Custom software developmentPlatforms, apps and internal systems built for how your business works, for a price fixed before work starts.
- Marketplace developmentTwo-sided platforms: listings, bookings, payments held until the job is done, reviews, disputes and an admin.
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