About
Lumia is a full-cycle RWA platform on Ethereum L2 enabling institutional and retail investors to tokenize, trade and earn yield from real-world assets. Covers complete asset lifecycle — onboarding, KYC/AML compliance, smart contract deployment, marketplace trading and liquidity aggregation. $112.4M+ Total RWA Value, 8,250+ active investors across 12+ countries.
Challenge, approach, and impact
Challenge 1: Smart Contract & Blockchain Architecture
Designing secure smart contracts for asset tokenisation, lifecycle management and settlement across multiple blockchain environments — balancing security, gas efficiency and transfer restrictions within a compliance-aware permissioning system.
Challenge 2: Compliance & Institutional Onboarding
Implementing KYC/AML verification, permissioned wallet access and institutional-grade onboarding flows compliant with SEC/FINRA requirements — all integrated seamlessly within a consumer-facing marketplace without compromising UX for retail investors starting from $100 minimum investment.
Challenge 3: Liquidity Integration & Full-Cycle Delivery
Integrating real-time CEX/DEX liquidity aggregation via Lumia Stream, building modular frontend dashboards for multiple user roles, and delivering the full scope autonomously — architecture, backend, frontend, infrastructure — with no micromanagement from the client side.
How we built
Testimonials
Jackob
NDA
“OTAKOYI delivered the full RWA infrastructure without hand-holding. Smart contracts, compliance flows, liquidity integrations – everything worked as a coherent system. They challenged assumptions early, flagged risks before they became problems, and shipped on schedule. Exactly what you need from an external team on a product this complex.“
Team structure
Client team
Denys
Back-end developer
Project stakeholder
Mark L
Full-stack/TL
Daily point of contact
Paul G
DevOps
Project stakeholder
Jackob
Product Woner
Daily point of contact
May
Compliance/Subject Matter expert
Project stakeholder
The client stakeholders were working closely with the team at OTAKOYI
Agency team
1 x PM
Governance
2 x Back-end Developer
Production
2 x Blockchain Developer
Production
2 x Front-end Developer
Production
