Financial Infrastructure

One platform.
Every financial rail.

Build and launch payments, wallets, cards, mobile money, stablecoin infrastructure, and financial services — without rebuilding the stack from scratch.

Transaction Streamreal-time
  • Payment authorised

    1,240.00

    card · AEDsettled
  • Wallet credit

    86,500.00

    mobile money · KESposted
  • Cross-border payout

    42,000.00

    stablecoin · USDin flight

authorisation

142ms

uptime

99.99%

rails

40+

Infrastructure Topologylive

Your Product

Mobile App · Web · API · AI Agent

jStack Infrastructure

v1 · multi-region

  • Payments
  • Wallets
  • Cards
  • Stablecoin
  • Mobile Money
  • Bill Pay
  • Orchestration
  • + modules
ledgerroutingsettlementreconciliation
  • Banks
  • Payment Networks
  • Telecom Networks
  • Blockchains

Infrastructure built for real-world scale.

$30M+
Monthly GTV
5+
Global Offices
24×7
Financial Infrastructure
API-First
Architecture

The jStack

Everything you need to build and operate modern financial products.

01

Move Money

Payments

Accept, route, process and settle payments across multiple financial rails.

  • Payment Gateway
  • Payment Orchestration
  • QR
  • POS
  • SoftPOS
  • USSD
Explore Payments
Payment Orchestrationtxn_9f2a · routing

1,000.00 USD

route: optimal
  • Rail A · Bank Direct0.18% · 240ms
  • Rail B · Card Network1.42% · 410ms
  • Rail C · Mobile Money0.60% · 320ms
authorizedcapturedsettled
02

Store & Manage Money

Wallet & Accounts

Launch programmable wallet and account infrastructure for consumers, businesses, agents and merchants.

  • Wallets
  • Ledger
  • Virtual Accounts
  • Multi-Wallet
  • Settlement
Explore Wallet Infrastructure
Wallet & Ledgeracct_4b71 · double-entry

Available

184,220.40

Reserved

12,905.00

  • Merchant payout-2,400.00 AED
  • Agent float top-up+18,000.00 AED
  • Consumer transfer-125.50 AED
  • Interchange fee-3.20 AED
03

Issue & Control

Cards

Launch physical and virtual card programs with configurable controls and real-time transaction management.

  • Card Issuing
  • Virtual Cards
  • Card Management
  • Transaction Controls
  • Processing
Explore Cards
Card Programcard_71ce · active
Virtual · CorporatejStack

•••• •••• •••• 4417

N. AL FARSI09/29
Monthly limit
25,000.00
Merchant category
Travel, Fuel
Geography
GCC + South Asia
Online transactions
Enabled
04

Digital Asset Rails

Stablecoin Infrastructure

Build stablecoin-powered payments, treasury and cross-border financial products.

  • Stablecoin Payments
  • Wallets
  • On/Off Ramp
  • Treasury
  • Settlement
Explore Stablecoin Infrastructure
Cross-Border Settlementcorridor · T+0
Sender · AEDStablecoin railPayout · INR

On-ramp

0.10%

Transfer

~8s

Off-ramp

local rail

One Infrastructure Layer

Connect every rail.
Control every transaction.

Interfaces

  • Mobile App
  • Web
  • API
  • AI Agent

jStack

orchestration · controls · state

Product Layer

  • Payments
  • Wallet
  • Cards
  • Stablecoin
  • Mobile Money
  • E-Topup
  • Bill Pay
  • POS

Core Infrastructure

  • Ledger
  • Rules
  • Fees
  • Reconciliation
  • Settlement

Connected Infrastructure

  • Banks
  • MNOs
  • PSPs
  • Payment Networks
  • Blockchains

From Idea to Infrastructure

Launch financial products without rebuilding the financial stack.

  1. 01

    Build

    Use modular APIs and ready-made financial components.

  2. 02

    Connect

    Connect banks, telecom networks, processors and blockchain rails.

  3. 03

    Launch

    Deploy your financial product without rebuilding core infrastructure.

  4. 04

    Scale

    Expand across products, markets, currencies and transaction volumes.

Built for Your Business

Financial infrastructure for every market.

Banks & Fintechs

Launch digital banking, wallets, payments, cards and embedded financial products.

  • Core ledger
  • Card issuing
  • Embedded finance
Explore solution

Telecom

Power mobile money, airtime, bill payments, agent networks and merchant payments.

  • Mobile money
  • E-topup
  • Agent float
Explore solution

Government

Build sovereign payment, disbursement and digital financial infrastructure.

  • Disbursements
  • National rails
  • Compliance
Explore solution

Enterprises

Embed payments, wallets, payouts and treasury capabilities into business workflows.

  • Payouts
  • Treasury
  • Reconciliation
Explore solution

For Developers

Infrastructure your developers will actually want to build with.

APIs designed to make complex financial infrastructure easier to integrate.

  • REST APIs
  • Webhooks
  • SDKs
  • Sandbox
  • API Keys
  • Developer Documentation
Read the Docs
POST /v1/paymentsnode · sdk
const payment = await jstack.payments.create({
  amount: 1000,
  currency: "USD",
  customer: "cus_123",
  route: "optimal"
});
200 OK
{
  "id": "pay_9f2a41c",
  "status": "settled",
  "rail": "bank_direct",
  "fee": 1.80,
  "settled_at": "2026-02-11T09:14:22Z"
}

Build locally. Scale globally.

One integration. Multiple markets. Multiple financial rails.

Middle East

Africa

South Asia

  • UAE
  • Saudi Arabia
  • Turkey
  • India
  • Afghanistan
  • African Markets

Financial infrastructure shouldn't take years to build.

01

Modular by design

Start with one product. Add more financial rails when you need them.

02

Infrastructure, not middleware

Core ledger, settlement, reconciliation, routing and controls are built into the stack.

03

Built for complex markets

Connect banks, telecom operators, payment networks and blockchain infrastructure from one architecture.

The Next Financial Rail

Infrastructure for an agentic economy.

Financial transactions won't always be initiated by humans. jStack is building infrastructure that enables AI agents to hold value, initiate payments and interact safely with financial systems.

  1. AI Agent
  2. jGuard
  3. jWallet
  4. jPay
  5. Financial Rails

jWallet

Wallet infrastructure for AI agents.

jPay

Programmable agent payments.

jGuard

Identity, policy and transaction controls for autonomous financial activity.

Build your next financial product on jStack.

From your first transaction to millions of transactions — build on infrastructure designed to scale with you.