Lumo Wallet has integrated StealthEX, a non-custodial instant cryptocurrency exchange, enabling users to swap more than 2,000 digital assets directly within the wallet interface. The partnership carries a competitive exchange fee of 0.4% and allows conversions without requiring users to deposit funds into a conventional custodial trading account.

The integration pairs Lumo Wallet's self-custodial architecture with StealthEX's exchange infrastructure and extensive asset coverage. Users retain control of their private keys while accessing swaps across major cryptocurrencies, stablecoins, ecosystem tokens, and emerging coins. The partnership reflects a broader industry pattern in which wallet providers partner with third-party exchange aggregators rather than building proprietary liquidity infrastructure, allowing them to expand asset coverage quickly while maintaining their core custody model.

Accessing 2,000+ Cryptocurrencies in One Interface

Cryptocurrency holders increasingly manage assets across multiple blockchain networks, but exchanging less common tokens often requires navigating several platforms, executing intermediate transfers, and maintaining multiple accounts. The StealthEX integration consolidates this workflow within Lumo Wallet.

Users can now exchange one cryptocurrency for another, manage and rebalance portfolios, access assets across different blockchain ecosystems, convert less widely supported coins and tokens, and avoid maintaining balances on custodial exchanges. These options are available through the standard Lumo Wallet interface, allowing users to retain control of their wallet and private keys throughout the process.

Fee Structure: 0.4% Exchange Rate

Cryptocurrency exchanges processed through the StealthEX integration in Lumo Wallet carry a fee of 0.4%. Because the fee is percentage-based, it scales with the value of each transaction, creating a predictable cost structure for both small and large swaps.

At 0.4%, the fee is positioned among the lower rates available through comparable non-custodial exchange integrations, though direct comparisons vary because providers calculate and disclose costs differently.

The exchange fee should not be confused with the total cost of a transaction. Additional transaction-specific costs may apply, including blockchain network fees, liquidity-related costs, and rate fluctuations during floating-rate exchanges. Blockchain fees are paid to network validators or miners rather than to Lumo Wallet, and their size depends on factors such as the selected blockchain, network congestion, transaction complexity, and prevailing market conditions. Users are advised to review the estimated receiving amount, selected networks, exchange rate, and all displayed costs before confirming a swap.

Non-Custodial Exchange Model

Self-custody is a foundational principle of Lumo Wallet. Users maintain control of the private keys required to access their wallets and authorize transactions. Traditional custodial exchanges, by contrast, require users to deposit cryptocurrency into accounts controlled by the platform, meaning users depend on the exchange's security controls, account systems, and withdrawal procedures until they retrieve their assets. The appeal of self-custody has grown following high-profile exchange failures that left depositors unable to access funds, reinforcing longstanding concerns about counterparty risk on centralized platforms.

A non-custodial exchange operates differently. It facilitates a specific asset conversion without holding users' funds as an ongoing account balance. The user sends cryptocurrency for the exchange, and the converted asset is delivered to a designated receiving address. Through the StealthEX integration, Lumo Wallet users can execute exchanges without transferring funds to a conventional trading account, combining the convenience of an integrated exchange with the control of a self-custodial wallet.

Non-custodial does not mean risk-free. Blockchain transactions are generally irreversible, exchange rates can change, and network delays may occur. Users must verify selected assets, blockchain networks, destination addresses, and any required memos or destination tags before confirming an exchange.

Exchange Process

The integration is designed to accommodate both new and experienced cryptocurrency users. The exchange workflow generally involves the following steps:

1. Open Lumo Wallet and navigate to the exchange feature.
2. Select the cryptocurrency to send.
3. Choose the cryptocurrency to receive.
4. Enter the desired exchange amount.
5. Review the estimated output, exchange fee, and network details.
6. Confirm and authorize the transaction.
7. Receive the selected cryptocurrency after processing.

StealthEX searches for an available exchange route through its liquidity partners and processes the conversion. Once complete, the purchased cryptocurrency is delivered to the receiving wallet address. Although StealthEX is described as an instant exchange, completion times can vary based on blockchain confirmations, network congestion, liquidity, and the selected assets.

About StealthEX

StealthEX is a custody-free instant cryptocurrency exchange supporting more than 2,000 crypto assets. Users select an exchange pair and amount, provide a receiving address, and send the required cryptocurrency. StealthEX then leverages its exchange and liquidity partners to process the conversion and deliver the selected asset to the specified wallet address.

StealthEX does not store user funds as continuing account balances. Registration is not normally required for standard crypto-to-crypto exchanges, though compliance checks may apply in cases involving flagged or suspicious transactions.

Beyond its consumer platform, StealthEX provides API and exchange infrastructure for wallets and other cryptocurrency businesses. These tools enable partners such as Lumo Wallet to offer extensive asset coverage without independently building a complete exchange and liquidity system.

About Lumo Wallet

Lumo Wallet is a self-custodial cryptocurrency wallet designed to simplify the management and use of digital assets. Private keys are generated and stored on the user's device, allowing users to maintain control over wallet access and transaction authorization. The wallet pairs its self-custodial approach with a user-friendly interface aimed at reducing the complexity typically associated with cryptocurrency management.

The Lumo ecosystem includes wallet and portfolio management, integrated exchanges, digital-asset spending tools, AI-supported guidance, and business payment solutions. PulseAI delivers plain-language information and wallet insights without accessing private keys. Lumo Debit connects supported digital assets with everyday spending through a partner-issued card. For businesses, Lumo offers cryptocurrency payment functionality, invoicing, merchant wallet features, plugins, and point-of-sale infrastructure.

The StealthEX integration strengthens this ecosystem by providing access to a substantially broader selection of cryptocurrencies within a single self-custodial environment.

Expanded Exchange Capabilities

The StealthEX integration represents a significant expansion of Lumo Wallet's exchange functionality. Users can now access more than 2,000 cryptocurrencies through a non-custodial exchange flow with a 0.4% fee, managing assets and initiating swaps without leaving the wallet's self-custodial framework. The move aligns with a competitive trend among wallet providers to consolidate trading, spending, and management tools within a single interface, positioning wallets as comprehensive platforms rather than simple storage applications.

For more information, visit Lumo Wallet or StealthEX.