Lunaries One

Product

A financial operating system, not a collection of features.

Lunaries One composes accounts, movement, treasury, digital assets and private markets into a single interface. Financial services are provided by regulated institutions and licensed partners; Lunaries owns the experience above them.

Accounts

Multi-currency positions with sub-ledger transparency. Routing, IBAN and SWIFT details are surfaced only where the rail genuinely applies.

  • USD, EUR, GBP
  • Virtual account references
  • Entity and personal separation

Move Money

A single composed flow across ACH, domestic wire, international payment, internal transfer and digital asset movement.

  • Beneficiary intelligence
  • Pre-confirmation cost clarity
  • Status through settlement

Treasury

Operating and reserve cash held apart, with liquidity forecasting and allocation bands you actually adhere to.

  • 8-week liquidity forecast
  • Policy bands
  • Sweep design

Digital Assets

Hold, convert and settle in digital assets alongside fiat positions, through qualified partners.

  • BTC, ETH, USDC
  • Conversion surface
  • Settlement-ready balances

Investments

A restrained private markets surface: private credit, private equity, real estate, tokenised assets and alternatives.

  • Curated access
  • Structured diligence view
  • Commitment tracking

Financial Intelligence

Position, exposure, currency risk and cashflow understood continuously — the operating system's quiet advantage.

  • Total financial position
  • Exposure by currency
  • Forward cashflow
Executives reviewing treasury positions in a dark contemporary office
Prototype available

See the interface, not a brochure.

Enter Lunaries

Architecture note

The product is built against a typed provider interface covering onboarding and verification, master-FBO or virtual account sub-ledgers, ACH and wire movement, wallets, fiat and digital asset transfer, transaction status and webhook events. In this prototype that interface is satisfied by a mock service with illustrative data, so a regulated infrastructure provider can be connected without redesigning the experience.