Luno: proving you own your self-custody wallet
Luno asks whether you are sending to yourself or someone else, whether the address is private (self-custody) or hosted by another exchange, and recipient/platform details. Private wallets (MetaMask, Ledger, Trezor examples) are allowed. Sends to unlisted VASPs are blocked until compliance assesses them. Malaysian receives may be held until sender details are submitted.
When Luno asks
Where: Travel Rule currently described for customers verified in Indonesia, Malaysia and South Africa; Nigeria rolling out. Other Luno countries may follow as local law requires.
Threshold: Luno does not publish a single euro/dollar amount on the customer Travel Rule FAQ we checked. You provide Travel Rule details when sending or receiving as prompted for your verified country. Information is collected once per new address.
Accepted verification methods
| Method | Status | Details |
|---|---|---|
| Travel Rule send / receive details | Accepted | Confirm self vs other, private vs hosted address, and recipient or sender / VASP details when prompted. Luno says you only provide this once per new address.[1][2] |
| Message signing | Not listed | Not described in Luno's customer Travel Rule FAQ or "why these questions" articles we checked for Indonesia, Malaysia and South Africa. Follow any in-app prompt for your country if a different method appears.[1][2] |
| Satoshi test | Not listed | Not described in Luno's customer Travel Rule articles we checked.[1][2] |
| Screenshot | Not listed | Not mentioned in Luno's Travel Rule FAQ we checked. |
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Step by step
Sending crypto (Travel Rule countries)[1][2]
- Start a send in the Luno app or website.
- Say whether you are sending to yourself or someone else.
- Say whether the destination is a private address (you hold the keys — Luno examples include MetaMask, Ledger, Trezor) or hosted on another exchange/platform.
- If hosted, pick the recipient's VASP from Luno's approved list for your country. If the platform is not listed, Luno says you cannot send until compliance assesses it — contact support to request assessment.
- Enter recipient details accurately (correct spelling). Luno warns misspellings can delay or cancel the transfer without losing the crypto.
- Submit. Luno may share your name and, in South Africa and Malaysia, additional identity/address data with the receiving VASP as required by local law; Indonesia currently does not share your information per Luno's FAQ.
Receiving crypto[1][2]
- When receiving from another VASP, provide the name of that VASP so Luno can request Travel Rule information.
- Private wallets, mining pools and faucets are treated as private addresses — declare them accurately (Luno asks for specific names such as "Ethermine pool" or "F2Pool mining" for those pools).
- Malaysia: crypto from an external source may be held until you answer the in-app prompt about the sender (name, nationality, date of birth, or exchange name as requested). Funds stay safe but locked until verification completes.
Common errors and fixes
Destination exchange not on Luno's list
Luno only facilitates sends to approved VASPs/CASPs. Contact support so compliance can assess the VASP; you cannot send to an unlisted platform from the selection menu.[1][2]
Malaysia deposit held
Open the Luno app prompt and submit the requested sender details. Luno says funds remain safe but unavailable until verification finishes.[1][2]
Name misspelled
Provide the correctly spelled legal name. Luno says misspellings delay or cancel the transfer; they do not say the crypto is lost.[1]
FAQ
Can I send to MetaMask or Ledger?
Yes. Luno's FAQ says you can send to a private wallet address; Travel Rule information about the destination may still be required.
Does this apply worldwide?
Luno's FAQ says Travel Rule applies to customers verified in Indonesia, Malaysia and South Africa, with Nigeria rolling out. Other countries may follow.
Do fees go up because of Travel Rule?
Luno says the Travel Rule does not affect fees.
Sources
Last checked 2026-10-27. Numbers in brackets [n] in the text refer to this list.
KeyProof is not affiliated with Luno. This guide summarizes Luno's public help pages and may be out of date. Always follow the instructions in your Luno app. Not legal, tax or financial advice.