The Compliance Tooling Landscape
Testing compliance rules in production or relying on static spreadsheets is the fintech industry's dirty secret. Lumis is the pre-production sandbox you use to visually simulate, validate, and audit your rules before they go live.
Excel & Notion Maps
The spreadsheet era default. Non-technical officers map logic in Excel, developers hardcode it manually, and nobody is sure they match. You are one failed audit away from a major licensing crisis.
- ✕ No real-time test execution
- ✕ Zero defensible audit trail
Live IDV APIs
Excellent production checkers (Sumsub, Onfido, Didit, Persona) for catching live fraud, but terribly expensive and slow to run in your local developer staging environments.
- ✕ Up to $1.30+ per test run
- ✕ Slow, rate-limited APIs
Enterprise GRC
Massive bank-approved decision engines (Alloy, Trulioo, ComplyAdvantage) built for complex legacy banks. Powerful, but overkill for developer-led sandbox testing.
- ✕ $50k+ upfront annual spend
- ✕ 6-month implementation cycle
Lumis Simulation
The modern pre-production testing layer. Drag-and-drop your compliance logic, simulate complex payloads under 500ms, and download exportable proof.
- ✓ No-code visual rule builder
- ✓ Tamper-evident audit logs
Direct Side-by-Side Comparisons
Lumis vs Alloy
The lightweight developer-native alternative to enterprise identity orchestration platforms.
Lumis vs Trulioo
Optimize global database checks and testing pipelines without paying per-check staging fees.
Lumis vs Sardine
Keep using Sardine for production alerts, but use Lumis to simulate rules for free in staging.
Lumis vs Unit21
Simulate transaction monitoring triggers and trace routing paths locally before you deploy.
Lumis vs ComplyAdvantage
Simulate real-time AML database checks and PEP triggers instantly without multi-year contracts.
Lumis vs Live IDV Providers
Sumsub, Onfido, Didit & Persona: The staging prerequisite companion built to save your API budget.
Stop Testing Compliance on Live Users
We built Lumis because we saw brilliant fintech startups fail audits or delay their launch by weeks because they were stuck waiting on engineers to hardcode KYC/AML rules. We designed a compliance simulation sandbox to give compliance officers direct control to build, trace, and prove compliance logic visually—in hours, not months.
Start your free sandbox trial