Testing AML logic with live accounts is destroying your budget
Live IDV providers are incredible at catching fraud in production, but they are terrible for local development. Lumis is the pre-production sandbox you use before you plug in the real API.
Live IDV Providers
Sumsub, Didit, Onfido, Persona
Strengths
- Best for production fraud detection
- Biometric face-matching
- Live document scanning
The Staging Friction
- $1.35+ per test run
- Slow for local development
- Hardcoded sandbox keys
- Strict rate limits
Lumis Compliance Sandbox
Pre-Production Simulation
Strengths
- Generous local tests (25k free trial)
- Instant < 500ms execution
- Visual DAG for complex logic
- Mock any edge case
The Staging Friction
- Not for production scanning
- No biometric data
- Simulated results only
The Solution: Lumis as the Prerequisite
Every time a developer runs an automated test using a live provider's sandbox, they often incur fees, hit rate limits, or have to manage frustrating hardcoded sandbox keys. This slows down the development cycle and creates unnecessary staging costs.
Lumis is not an alternative to live IDV engines—we do not scan government IDs or verify face biometrics. Instead, fintech teams use Lumis's DAG rule simulator locally to verify their entire routing logic, test high-risk edge cases for free, and then plug in the real Didit, Sumsub, or Persona API for production once the integration logic is proven.
Stop Paying $1.35 to Test a 400 Bad Request
Lumis allows you to write your parsing logic and verify routing rules without paying a live IDV provider a single cent in your staging environment.