Banking-as-a-Service

Build financial products without rebuilding banking infrastructure.

Use modular banking infrastructure to launch accounts, wallets, payments, cards and money movement experiences through a unified technology layer.

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Banking Infrastructuremodular

Customer Experience

Mobile
Web
Partner
API

jStack Banking Infrastructure

Accounts
Payments
Cards
Wallets

Connected

Banking & Financial Rails

Modular by Design

Use the banking capabilities you need. Add more as you scale.

Every module runs on the same ledger and policy core, so products compose instead of fragmenting across separate systems.

Connected modules · one platform

Accounts
Virtual Accounts
Wallets
Payments
Cards
Payouts
Ledger
Fees & Limits
Settlement
Reconciliation
+ add later

Shared core

ledger · rules · fees · limits · settlement · reconciliation

Core Capabilities

The building blocks behind a banking product.

Account Infrastructure

Create and manage financial accounts for customers, businesses or internal products.

Money Movement

Connect account infrastructure to payments, transfers and payouts.

Card Infrastructure

Enable card-linked financial products through configurable issuing infrastructure.

Ledger & Balances

Maintain transaction and balance records across financial products.

Fees & Limits

Configure fees, limits and transaction policies.

Settlement & Reconciliation

Track movement of funds across connected financial rails.

APIs & Webhooks

Expose infrastructure through programmable APIs and event notifications.

Operations

One console across customers, accounts and money movement.

BaaS Consoledummy data

customers

48,210

accounts

61,884

balances held

72.4M

cards issued

12,905

Customer	Account	Balance	Cards	Payouts 24h	Status
Harbor Foods	acc_10422	184,220.40	12	38	active
A. Rahman	acc_10510	6,110.00	1	2	active
Nova Retail	acc_10688	310,880.10	44	121	active
Lumen Labs	acc_10741	24,905.00	6	9	pending

CustomerHarbor Foods
Accountacc_10422
Balance184,220.40
Cards12
Payouts 24h38
Statusactive
CustomerA. Rahman
Accountacc_10510
Balance6,110.00
Cards1
Payouts 24h2
Statusactive
CustomerNova Retail
Accountacc_10688
Balance310,880.10
Cards44
Payouts 24h121
Statusactive
CustomerLumen Labs
Accountacc_10741
Balance24,905.00
Cards6
Payouts 24h9
Statuspending

Transactions 24h

182,400

Settlement batches

14 open

Reconciliation

99.2% matched

Architecture

One banking layer behind multiple financial products.

Customer Applications

Mobile
Web
Partner Platform
API

Platform

jStack BaaS

Accounts
Wallet
Payments
Cards
Ledger

Connected Infrastructure

Banking Partners
Payment Networks
Financial Rails

Use Cases

Infrastructure for teams launching financial products.

Digital Banks
Fintechs
Telecom Operators
Embedded Finance Platforms
Marketplaces
Enterprise Financial Products
Government Financial Services

Developers

Programmable banking infrastructure.

Create customers, open accounts, move money and issue cards through one consistent API surface.

REST APIs
Webhooks
Sandbox
API Keys
Documentation
Idempotency

BaaS APIREST

POST   /customers
POST   /accounts
GET    /accounts/{id}/balance
POST   /transfers
POST   /cards

Build the financial product. Connect the infrastructure underneath it.

Accounts, payments, cards and ledgers — assembled as modules, operated as one platform.

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