Core Concepts

Workspaces

A workspace represents a dedicated payment environment for a Buyer within your platform. The "Buyer" can be either:

Your end client (when your platform is not in the money flow)
Your platform's business (when your platform is in the money flow)

Each workspace:

Has a dedicated Lumanu Wallet with its own account & routing number
Maintains separate funds, vendor lists, and payment workflows
Has its own set of financial controls, approval workflows, and security settings
Supports multiple projects and user roles
Prevents commingling of funds between different buyers

Method	Endpoint	Description
GET	`/workspace`	List Workspaces
GET	`/workspace/{id}`	Get Workspace
PATCH	`/workspace/{id}`	Update Workspace
GET	`/workspace/search`	Search for vendor workspaces
GET	`/workspace/{id}/custom-field-policy`	Get Custom Field Policies
POST	`/workspace/{id}/webhook-subscription`	Subscribe to Workspace Webhooks

Partners/Vendors

Vendors are the payees (typically creators/influencers) who receive payments through the Lumanu network. Key aspects:

Vendors can be invited via email or by creating a payout.
Each vendor undergoes automated compliance checks including:
- Personal ID verification
- Phone verification
- Business information and TIN checks
- OFAC and watchlist screening
- Bank account validation
Special verification flows exist for talent management entities
Once a vendor is onboarded to Lumanu, they will have a unique Lumanu ID that you can use to identify them in the future

Method	Endpoint	Description
GET	`/workspace/{id}/partner`	List Workspace Partners
GET	`/workspace/{id}/partner/{partnerId}`	Get Partner Details
GET	`/workspace/{id}/partner/invite`	List Partner Invites
POST	`/workspace/{id}/partner/invite`	Invite Partners to Workspace
GET	`/workspace/{id}/partner/invite/{inviteId}`	Get Partner Invite Details

Payables

Payables represent individual payment obligations to vendors. They progress through the following statuses:

draft - Initial state when created
approved - After approval, ready for funding
will_pay - Funded and scheduled for payment; this is the terminal status for successful payables
canceled - Payment canceled

Method	Endpoint	Description
GET	`/payable`	Get Payables
POST	`/payable`	Create Payable
GET	`/payable/{id}`	Get Single Payable
GET	`/payable/{id}/invoice-pdf`	Get an invoice PDF for a payable
POST	`/payable/{id}/approve`	Approve Payable
POST	`/payable/{id}/unapprove`	Un-approve Payable
POST	`/payable/{id}/cancel`	Cancel Payable

Account/Wallet

Each workspace has an account associated with it called a wallet account. This is the account that can be used to send funds (in the case of a buyer) or receive funds (in the case of a vendor). The wallet has a balance that can be queried, and tracks debit and credit transactions.

Method	Endpoint	Description
GET	`/workspace/{id}/wallet`	Get Workspace Wallet
GET	`/workspace/{id}/wallet/transaction`	List Wallet Transactions
GET	`/workspace/{id}/wallet/deposit`	List Unlinked Deposits
POST	`/workspace/{id}/wallet/deposit`	Create Test Deposit (Sandbox Only)

Funding

Funding is the process of adding money to your Workspace balance to settle Payables. The API supports two funding methods: balance funding (using existing wallet balance) and invoice funding (creating an invoice for payment via bank transfer).

Method	Endpoint	Description
GET	`/funding`	Get Fundings
POST	`/funding`	Create Funding
GET	`/funding/{id}`	Get Single Funding
POST	`/funding/{id}/link-deposit`	Link Funding Payment
POST	`/funding/{id}/cancel`	Cancel Funding
GET	`/funding/{id}/pdf-url`	Get Funding Invoice PDF URL

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For security compliance, two-factor authentication must be enabled before processing payments.

Projects

Projects are containers within workspaces that help organize payments, manage budgets, and track spend at a more granular level.

Advanced project features designed for enterprises are available with an enterprise contract with Lumanu. This includes Project Wallets, which enable strict segregation of funds between projects (e.g., for different POs or departments) to support enterprise financial control requirements.

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Note
Note: Project actions are currently not available via the Lumanu Partner API. To learn more reach out directly to Lumanu.

User

Endpoints for retrieving information about the currently authenticated user.

Method	Endpoint	Description
GET	`/user/current`	Get Current User
GET	`/user/current/workspaces`	Get Current User's Workspaces