kitio.aiLumin vs Arya.ai
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. Lumin starts at $9/mo and Arya.ai starts at See pricing page. Check both pricing pages for current plans.
At a glance
Best for
Pricing model
Starting price
Free plan
Made by
Based in
Rating
Key features
- AI agreement generator
- AI agreement editor
- PDF editing
- E-signatures
- Fillable PDFs
- eSign API
- Apex AI API library
- Nexus API gateway
- Cred AI credit risk
- AryaXAI model observability
- Document processing
| Feature | Lumin | Arya.ai |
|---|---|---|
| Best for | PDF editing, e-signing and AI agreement drafting in one workspace | Production-ready AI models and APIs for banks and insurers |
| Category | Legal, finance & HR | Legal, finance & HR |
| Pricing model | Freemium | Paid |
| Starting price | $9/mo | See pricing page |
| Free plan | Yes | No |
| Made by | Lumin | Arya.ai |
| Based in | – | India |
| Rating | No ratings yet | No ratings yet |
| Key features |
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Pricing compared
Lumin starts at $9/mo and Arya.ai starts at See pricing page. Check both pricing pages for current plans.
Free plan
Cheapest paid plan
Top plan
Free trial
5 plans
Free
Free
- Basic PDF editing
- Basic e-signatures
- Annotate up to 3 docs
Starter
$9/mo
- Student plan
- 10 docs per month
- Google integration
Pro
$19/mo
- Per team
- 200 docs per month
- Advanced PDF editing
- 5 agreements per month
Business
$99/mo
- Member access control
- Domain control
- Slack and Drive connectors
- Priority support
Enterprise
Contact sales
- Enterprise SSO
- Storage options
- Premium onboarding
Prices in USD, checked Nov 5, 2026 or later. Plans change often, so confirm on each tool's site before you buy.
Pros and cons
Lumin
- Drafting, editing and signing in one place
- Free plan covers basic PDF work
- Covers many common contract types
- Free plan allows only 3 documents a month
- Pro limits agreements to 5 per month
- Pro pricing is per team, with caps on documents
Arya.ai
- Models built for finance use cases
- Cloud, on-premise or hybrid deployment
- Includes model explainability tooling
- No public pricing
- Focused on banking and insurance
- Sold through demos and sales calls
Which one should you choose?
Choose Lumin if you want:
- Drafting, editing and signing in one place
- Free plan covers basic PDF work
- Covers many common contract types
Watch out: free plan allows only 3 documents a month.
Choose Arya.ai if you want:
- Models built for finance use cases
- Cloud, on-premise or hybrid deployment
- Includes model explainability tooling
Watch out: no public pricing.
Lumin vs Arya.ai FAQ
What is the difference between Lumin and Arya.ai?
Lumin: PDF editing, e-signing and AI agreement drafting in one workspace. Arya.ai: Production-ready AI models and APIs for banks and insurers. Both are legal, finance & hr tools.
Is Lumin or Arya.ai cheaper?
Lumin starts at $9/mo and Arya.ai starts at See pricing page. Check both pricing pages for current plans.
Do Lumin and Arya.ai have free plans?
Lumin: Yes. Arya.ai: No.
Who makes Lumin?
Lumin is made by Lumin.
Who makes Arya.ai?
Arya.ai is made by Arya.ai, based in India.
Which should I choose, Lumin or Arya.ai?
Choose Lumin if you value drafting, editing and signing in one place and free plan covers basic pdf work. Choose Arya.ai if you value models built for finance use cases and cloud, on-premise or hybrid deployment.