Stage 4 Service

Who this is for: issuers and operators responsible for a tokenized asset after it has been distributed (see Stage 3: Distribute) and is now live with holders. This is concept content.

What servicing means

Servicing is everything that happens while the asset is outstanding: interest or dividend payments, NAV updates, corporate actions (a restructuring, a rate change), and periodic re-attestation of backing (see Stage 2: Attest). Unlike Issue, Attest, and Distribute, which typically happen once, servicing repeats for the life of the asset.

Every servicing event that touches a holder's balance or eligibility is also a compliance checkpoint, not just a payment. A distribution to a holder whose KYC has lapsed, or a transfer that should be screened for suspicious activity, is a KYT (Know Your Transaction) concern: see KYT (Know Your Transaction) for how that check fits ongoing servicing specifically, as distinct from the one-time checks at issuance and distribution.

What Lumia provides today

Lumia provides the execution environment for whatever servicing contract logic the issuer deploys, plus standard indexer integrations (The Graph, Goldsky) for building a servicing dashboard off indexed on-chain events.

What the issuer brings

• The servicing contract logic itself (payment distribution, NAV update mechanics).

• The off-chain process that feeds it: a payment processor, a NAV calculation, a corporate-actions workflow.

• Ongoing KYT monitoring on transfers and distributions, and a re-attestation cadence.