How Does Money Move Through Lemony?
Understand how money moves through Lemony, from receiving funds and managing balances to making payments, transfers, and card purchases globally.
Understanding how money flows through Lemony is simpler than it might seem. Think of it as a system with three stages: money comes in, gets organized, and goes out — with a stable USD core keeping everything running smoothly behind the scenes. You never need to manage exchange rates, conversions, or complex financial tools.
Where does money enter the platform?
You can bring money into Lemony in different ways, depending on how you get paid.
If you receive payments in USD, EUR, or BRL, you can send them to your named bank accounts — Lemony provides you with dedicated accounts in each of these currencies. When the funds arrive, they are automatically converted into digital dollars that hold a steady value of one US dollar. This means your money maintains its purchasing power regardless of which currency it arrived in.
You can also transfer digital funds directly into your main wallet from external sources. These arrive in their original form and stay that way until you decide what to do with them. When you are ready, you can convert them into digital dollars with a single action — the system handles the rest.
No matter how your money enters, everything converges into your main wallet, the central hub of your account.
How is money organized once it arrives?
Your main wallet acts as the entry point and distribution center. It receives all incoming funds, and from here you decide how to allocate them.
You can create as many sub-wallets as you need. Each sub-wallet can be dedicated to a specific client, campaign, team, or operational purpose. You can move money freely between the main wallet and any sub-wallet at any time, with no delays and no fees.
- One sub-wallet for Client A campaign spending
- Another sub-wallet for internal team expenses
- A third sub-wallet for software subscriptions and tools
- A fourth for partner payouts
- As many as you need, each with its own balance
When you look at your dashboard, you see a unified balance view expressed in USD. This is the combined value of everything you hold, calculated automatically. You always know exactly how much you have and where it is allocated.
"Your money is never stuck in a single account. You decide how to structure it, and you see everything in one place in real time."
How does spending and sending money work?
Spending happens through virtual credit cards linked to your sub-wallets. Each card draws from the balance of its assigned sub-wallet, and you can create as many cards as you need — there is no artificial limit.
When you make a purchase or pay for a service, Lemony automatically converts the necessary digital dollars into the local currency at the time of the transaction. You never need to pre-convert funds or manage exchange rates manually. Whether you are spending in dollars, euros, or reais, the system handles the conversion instantly.
Cards work with major advertising platforms, software subscriptions, and everyday business expenses. Each card can have its own spending limits and controls, giving you granular management over who spends what and where.
You can also send money directly from your wallet to external bank accounts, giving you full flexibility to move money in and out as your operations require.
What makes this different from a traditional bank account?
In a traditional bank, your money sits in a single account. You have a limited number of cards, limited visibility into where your money is going, and international transfers that are slow and expensive — often taking days and costing up to 10 percent in fees.
Lemony reverses this model. Instead of one account, you have a main wallet and unlimited sub-wallets. Instead of a handful of cards, you create as many as you need. Instead of slow and costly transfers, money moves quickly and at a fraction of the cost.