luno
Proof of Reserves
luno
Proof of Reserves
Collateralisation ratio
History
Each point is an independent monthly attestation by Moore. The ratio has stayed above 100% in every reporting period — customer assets have continuously exceeded customer liabilities.
Self-verification
Proof of Reserves lets you confirm — without taking anyone's word for it — that your balances were included in a specific monthly attestation. Use the verifier below, or follow the steps to pull your details from Luno first.
Full walkthrough: Luno's Proof of Reserves guide.
Snapshot 1 June 2026 · 14:00 UTC — updated each month with the new attestation.
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The method
A Merkle Tree turns every customer balance into a single fingerprint that anyone can check against — without exposing any individual's details.
Each customer record is assigned a hashed user ID and hashed into a unique leaf. No names, emails or account numbers are ever exposed.
Leaves are hashed together in pairs, level by level, until the entire customer base reduces to one value: the Merkle root.
Moore publishes the root above. Using your own leaf, the verifier proves your balance was part of that month's tree — and that Luno's assets covered it.
Scope
The assets covered by the latest attestation. This list is reviewed and updated with each monthly report.
About
Luno is a crypto investment platform that lets people buy, store, trade and earn crypto and tokenised stocks through a single app. Its mission is to upgrade the world to a better financial system.
Security sits at the centre of that promise: customer assets are protected by multiple layers of security, and independently attested every month so customers can verify their holdings for themselves.
Luno (Pty) Ltd is an authorised financial services provider (FSP 53314).
Archive
Every monthly factual-findings report from Moore, with full detail on the agreed-upon procedures and findings. Reports are typically published by the end of the following month.
FAQ