How to Send Money with UMA – Lightspark

Once your UMA account is set up and verified, you can send money to anyone with a UMA address — instantly, in any supported currency, with no need to use the same bank or financial provider as the recipient.

⚠️ You must complete identity verification and connect a bank account before you can send money. See Creating Your UMA Account to get started.

What You Need Before Sending

A verified UMA account
A connected bank account with sufficient funds
The recipient's UMA address (e.g., $theirname@uma.money)

How to Send a Payment

Step 1: Log In

Visit app.uma.money/login and log in with your email and password.

Step 2: Start a New Payment

From your dashboard, select Send or Send money.

Step 3: Enter the Recipient's UMA Address

Type in the recipient's UMA address (e.g., $jane@uma.money).
UMA addresses follow the format $name@provider — they work across any UMA-enabled bank, wallet, or exchange worldwide.

Step 4: Enter the Amount

Enter the amount you want to send.
You can send in your local currency — UMA automatically handles the currency conversion and exchange for the recipient.

Step 5: Review and Confirm

Review the transaction details, including the amount, estimated fees, and the recipient's information.
Fees are shown before you confirm and vary based on the destination region and current exchange rates.
Tap or click Confirm to send the payment.

Step 6: Payment Sent

Your payment is processed instantly over the Bitcoin Lightning Network.
The recipient receives funds in their local currency, deposited directly to their linked bank or payment account.

Important Notes

Payments are instant and cannot be reversed. Always double-check the recipient's UMA address before confirming.
Fees vary by destination and are displayed before you confirm the transaction.
Some regions currently support receiving only. If you cannot send to a specific destination, the app will notify you.
Transaction limits apply based on your verification status, regional partner, and local regulations. See Troubleshooting: Common Issues if a payment is declined.

Where Can I Send Money?

Sending and receiving capabilities vary by region and are expanding continuously. If you're unsure whether sending or receiving is available in your country, please submit a support ticket and our team will confirm what's currently supported in your area.

⚠️ If your country or bank does not appear as an option during setup, it may not be supported yet. New regions are added regularly.

Still Need Help?

If you experience any issues sending a payment, please submit a support ticket and our team will assist you.