jStack

Core Banking

A modern core for digital financial products.

Manage accounts, balances, transactions, ledgers and configurable financial workflows through modular core banking infrastructure.

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Account · acc_10422system of record

Available

184,220.40

Ledger

197,125.40

Reserved

12,905.00

Pending

1,480.00

  • ENT-99114DR2,400.00
  • ENT-99115CR18,000.00
  • ENT-99116DR125.50

Core Proposition

The system of record behind your financial product.

System of record

  1. 01Customer
  2. 02Account
  3. 03Balance
  4. 04Transaction
  5. 05Ledger

Applied at every layer

  • Fees
  • Limits
  • Interest
  • Settlement

Core Capabilities

Configurable primitives for account-based products.

01

Customer & Account Management

Manage customer-linked financial accounts and account lifecycle.

02

Product Configuration

Configure different account and financial product types.

03

Balance Management

Track available, reserved, pending and ledger balances.

04

Ledger

Maintain auditable financial transaction records.

05

Transaction Processing

Process credits, debits, transfers and adjustments.

06

Fees

Configure transaction and account-level fee models.

07

Limits & Rules

Apply transaction thresholds and account policies.

08

Interest Configuration

Support configurable interest-related product logic where required.

09

Holds & Reservations

Reserve balances for financial transactions and workflows.

10

Settlement & Reconciliation

Connect core transaction activity to downstream settlement processes.

Core Operations

Operate accounts, balances and ledger entries in one place.

Core Banking Operationsdummy data

accounts

61,884

ledger entries 24h

1.24M

products

9

adjustments

18

  • CustomerA. Rahman
    Accountacc_10510
    TypeCurrent
    Balance6,110.00
    Fees MTD12.50
    Limit50,000
    Statusactive
  • CustomerHarbor Foods
    Accountacc_10422
    TypeBusiness
    Balance184,220.40
    Fees MTD480.00
    Limit500,000
    Statusactive
  • CustomerNova Retail
    Accountacc_10688
    TypeSettlement
    Balance310,880.10
    Fees MTD1,204.00
    Limit2,000,000
    Statusactive
  • CustomerL. Fernandes
    Accountacc_10902
    TypeSavings
    Balance612.00
    Fees MTD0.00
    Limit20,000
    Statuspending

Ledger entries

ENT-99114 DR 2,400.00 · ENT-99115 CR 18,000.00

Holds

4 active · 12,905.00 reserved

Architecture

A programmable core connected to every product layer.

Channels

  • Mobile
  • Web
  • Partner
  • API
  • API Gateway

Core

  • jStack Core Banking
  • Customer
  • Account
  • Balance
  • Ledger
  • Transactions
  • Payments
  • Cards
  • Wallet
  • Virtual Accounts

Connected

  • Banking / Payment Rails

Use Cases

A core built for modern financial platforms.

  • Digital Banking
  • Fintech Platforms
  • Mobile Money
  • Embedded Finance
  • Enterprise Financial Systems
  • Government Financial Platforms

Related Products

Build modern financial products on a programmable core.

Accounts, balances, ledger and policy — configurable per product, auditable end to end.

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