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AI-native messaging for African SMEs

Stop staring at a blank message box.

Tell Luma what you're selling and who's buying. It writes the campaign, checks it against Nigeria's NCC content rules, and sends it over SMS, all from one Naira wallet.

Verify your email and phone, and we'll seed your wallet so your first campaign is on us.

Luma dashboard

Built for Nigerian businesses — from boutiques to fintechs

Rigo MicrofinanceAwuya DigitalBefa SportsNoon KitchenAdenike AutosTiro Africa

A phone full of customer numbers and a reason to reach them was never the hard part. Knowing what to say is.

Most Nigerian SMEs open the message box, stare at 160 empty characters, and close the tab. Luma starts by writing the message.

Luma AI Message Studio

You bring the business. Luma brings the words.

Describe what you're selling and who you're selling to. Luma writes three channel-ready variants, tuned for urgency, value or social proof, and screens each one against NCC content rules before you ever see it.

Matches SMS's 160-character segment limit automatically, and shows the part count live as you type
Only inserts personalisation tags your phonebook actually has data for
Refine by chat — "make it shorter", "more urgent", "translate to Hausa" — and it rewrites in place
Luma AI Message Studio

Brief: New Ankara arrivals · Lagos customers · Visit store

Urgency

Adire & Co: New Ankara arrivals are almost gone! Shop this week and get 10% off in-store. Reply STOP to opt out.

118/160 · 1 SMS
Value

Adire & Co: Your favourite Ankara styles just got better. New arrivals, 10% off this week only. {FIRST_NAME}, come see them.

124/160 · 1 SMS
Social proof

{FIRST_NAME}, others are already loving our new Ankara arrivals. Visit Adire & Co this week and see why.

109/160 · 1 SMS

First variant in 2 seconds. All three by 6.

Local language generation

The same campaign. In the language your customer actually speaks.

English, Nigerian Pidgin, Yoruba, Igbo, Hausa, French and Swahili, with the right commercial tone, not a literal translation.

Adire & Co: New Ankara arrivals just landed. Visit us this week and get 10% off your first purchase.

Audience preview
5,000 contacts selected
Won't be sent to — invalid number312 invalid
Sender ID: ADIRECOCorporate Bind · Approved
Compliance Copilot

The rules are enforced before you send. Not discovered after you're fined.

NCC content rules and sender ID registration aren't buried in a PDF. Luma screens every message before it can go out, flags invalid numbers before you pay to send to them, and tracks your sender ID approval status.

Non-compliance penalties reach ₦10 million or 2% of annual gross revenue.
Naira Wallet

Know the exact cost before you send. Not after.

Fund your wallet by bank transfer to a dedicated account number generated for your business — no USD credit packs, no cards to add. Every campaign shows its cost before you press send.

Bank transfer to your dedicated account
Estimated cost
ChannelSMS
Recipients5,000
Message parts1 per recipient
This campaign will cost ₦12,400
and leave ₦158,576 in your wallet

Your delivery rate was 88%, below your 94% average. 304 failures were concentrated on Glo numbers between 6 and 7am.

Insights & Analytics

Numbers become sentences.

Delivery and click rates broken down by carrier and region — and underneath every chart, one line explaining what actually happened.

For developers

One SMS API. Nothing else to configure.

Authenticate with a key, send a message, check its status. Five endpoints, flat per-send pricing, and a live OpenAPI reference — documented in full on the developer docs.

curl -X POST https://api.uselumaapp.com/v1/sms/send \
-H "X-API-Key: luma_live_•••" \
-d '{
"to": "2348012345678",
"message": "Your order has shipped."
}'
Pricing

Pay for what you send. Nothing else.

No monthly seat fees. No USD credit packs. Fund your wallet in Naira and see the exact cost before every send.

See Luma in action.

A few of the ways Nigerian businesses put Luma to work.

Retail & fashion
Adire & Co
12 min to first campaign sent

How a two-store Lagos boutique replaced hours of manual SMS writing with AI-generated campaigns in English, Yoruba and Pidgin — cutting time-to-first-campaign to 12 minutes.

Read the case study →
Pharmacy & healthcare
Ilé-Ntọ́ Pharmacy
312 invalid numbers auto-excluded

How an Ibadan pharmacy stopped paying to send SMS to invalid numbers, using automatic pre-send validation instead of trusting a reseller's promise.

Read the case study →
Fintech & lending
Kolo Finance
30 min from first API call to a live OTP

How a Lagos fintech's lending app queues OTP SMS sends client-side to stay under Luma's API rate limit instead of guessing at a ceiling.

Read the case study →
View all case studies →

From the blog.

Compliance explainers, product notes, and guides for sending better campaigns.

Compliance

How NCC's DND rules actually affect your SMS campaigns

Do-Not-Disturb enforcement isn't a platform problem or a Luma problem — it's a law. Here's what Corporate Bind and Open Bind sender IDs actually mean for who you can reach.

12 Aug 2026 · 6 min read
Guides

Why your campaign should never be in only one language

Pidgin isn't a translation of English — it's how a huge share of Nigerian consumer marketing actually talks. Here's how to know when to switch.

5 Aug 2026 · 5 min read
Product

Introducing the Luma AI Message Studio

Three variants, screened for compliance, in under six seconds. A look at how the writing engine behind every Luma campaign actually works.

22 Jul 2026 · 4 min read
View all posts →

Your first campaign could be sent in the next fifteen minutes.

Free to sign up. Verify your business whenever you're ready to scale.