Transfer coins

First, you can check how much you have on your local account (replace test by key name):

$ lumd query auth account $(lumd keys show <test> -a)

And it should return a complete payload with some useful information about your account:

{
  "type": "cosmos-sdk/Account",
  "value": {
    "address": "lum14hjqg48twngvujs2xhkac8mhzncjqg8wq0easj",
    "coins": [
      {
        "denom": "ulum",
        "amount": "19987728"
      }
    ],
    "public_key": {
      "type": "tendermint/PubKeySecp256k1",
      "value": "AxdPTMtvjPdu40WJSo4gmSCU0x4+y6SPUvdELZq+kvgC"
    },
    "account_number": "0",
    "sequence": "25"
  }
}

Finally you can emit a new transfer by doing this (replace <test> by key name, <destination> by address, amount by the amount + asset like "10sbc"):

$ lumd tx bank send $(lumd keys show <test> -a) <destination> <amount> --from <test>

Once confirmed and signed with passphrase, it should echo this:

{
  "height": "0",
  "txhash": "ACC5DD0281AE618838FA342B891F9F83CB8110030B53A10BB50A2D5E4C9E523D",
  "raw_log": "[{\"msg_index\":0,\"success\":true,\"log\":\"\"}]",
  "logs": [
    {
      "msg_index": 0,
      "success": true,
      "log": ""
    }
  ]
}