Participated · Equity · Jul 2026

Founded in 2016 and based in San Ramon, California, Lumin Digital offers a unified digital banking platform purpose-built for banks and credit unions that embeds AI and cloud-native architecture. The company emphasizes compounding customer outcomes — claiming greater user growth, deeper engagement, stronger retention, and expanding revenue the longer institutions run on its platform. Lumin reports best-in-class client satisfaction with an NPS of 94 and cites third-party research showing a 145% ROI over five years and a 10.8-month payback period. Management says the business has demonstrated consistent and sustainable growth, exceeded financial goals, and improved margins and operational efficiency. Current plans disclosed include accelerating product innovation across AI, payments, CRM, lending, and other platform capabilities funded by the recent capital raises.