The loyalty infrastructure
LATAM has been waiting for
LÜM is building the largest consumer data layer in Latin America using WhatsApp as a massive distribution channel. $2.5B market, growing 15% annually.
A massive problem.
An elegant solution.
The Problem
- Current loyalty programs have 70% abandonment rates because they require apps, physical cards and complicated processes
- Businesses spend millions on marketing without real customer data — only generic demographics
- LATAM consumers have no tools to understand and optimize their daily spending
- Electronic invoicing generates valuable data that is completely wasted today
The LÜM Solution
- WhatsApp as distribution channel — zero friction, no downloads, no complicated registrations
- Proprietary AI that extracts structured data from receipts in seconds, creating the richest consumer dataset in the region
- Real, instant rewards that create a sustainable engagement loop
- Verified consumer data for businesses — not surveys, but real behavior
A massive market
in full expansion
Multiple revenue streams
from day one
LÜM monetizes on both sides of the market: premium users and businesses paying for data access and visibility.
Business Commissions
Businesses pay a commission for each verified transaction that generates Lümis. Revenue share model aligned with business success.
Primary revenueData Insights for Businesses
Monthly subscription for access to advanced analytics: customer behavior, consumption trends, category benchmarks.
Recurring SaaSPremium User Subscription
Advanced Lümiscope, unlimited deals radar, early access to raffles and exclusive VIP experiences.
B2C recurringTargeted Advertising
Precision marketing campaigns for businesses, based on verified consumer data. Premium CPM for high-intent audiences.
AdvertisingAggregated Anonymous Data
Sale of anonymized market insights to brands, investment funds and consultancies that need to understand real consumption in LATAM.
B2B dataStrategic Partnerships
Agreements with banks, insurers and fintechs to integrate LÜM as a consumer data layer in their financial products.
Enterprise
Real progress,
validated by the market
Numbers from our beta phase in Panama City — proof of concept with real users and real businesses.
Why LÜM wins
where others fail
WhatsApp Distribution = Defensible Moat
With 93% penetration in Panama and 450M users in LATAM, WhatsApp is the most powerful distribution channel in the region. Our competitors need to convince users to download an app — we use what they already have. This gives us a structurally lower customer acquisition cost (CAC) than any competitor.
Proprietary Dataset = Entry Barrier
Each processed receipt enriches our data model. Over time, LÜM will have the most granular and verified consumer dataset in LATAM — something that cannot be bought or quickly replicated. This data asset becomes more valuable with each user and each transaction.
Two-Sided Network Effect
More users → more data → better offers for users → more businesses want to join → more Lümis available → more users. This flywheel accelerates over time and creates a competitive advantage that compounds exponentially.
From Panama
to all of LATAM
Concept Validation
MVP development with WhatsApp receipt processing. First beta users in Panama City. Data model and AI pipeline validated.
First Partner Businesses
Integration of first businesses in Panama. Launch of the Lümis points system and initial rewards catalog. Product iteration based on real user feedback.
Beta Growth & Product Refinement
Expanded beta user base in Panama City. Refined AI receipt processing, improved engagement loop and onboarding flow. Early retention metrics validated.
Panama Market Traction
Grew to 15+ partner businesses. Proved the two-sided model: businesses see repeat visits, users engage consistently. Data layer producing real consumer insights.
Preseed Round
Raising preseed capital to fund the first structured growth phase: team expansion, Lümiscope launch, scaling to 50+ businesses in Panama and validating the full monetization model.
Panama Scale & Model Validation
Scale to 200+ partner businesses in Panama. Launch business analytics SaaS. Validate all revenue streams. First conversations with banks and fintechs for strategic partnerships.
LATAM Regional Expansion
Launch in Costa Rica and Colombia. Seed round to finance regional rollout. Integration with local electronic invoicing systems. Target: 10,000+ active users across the region.
Built by people
who know the market
Our team combines experience in technology, fintech and the Latin American market.
LÜM Team
Entrepreneurs with experience in technology and the Panamanian market. Passionate about democratizing access to rewards and consumer data.
Technical Team
Developers specialized in natural language processing, OCR and messaging systems. Scalable architecture from day one.
Commercial Team
Experience in B2B business development in Panama and LATAM. Network of contacts in retail, restaurants and services.
Detailed team information available in the executive deck under NDA.
Request the Executive Deck
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Or write directly to inversion@lumapp.org. Accredited investors only. We respond within 48 hours.