jStack

Mobile Money

Build financial services around the mobile subscriber.

Launch and operate mobile money ecosystems connecting customers, merchants, agents, telecom networks and financial institutions.

Talk to an Expert Explore the Ecosystem ↓
Ecosystem Activitylive

subscribers

3.2M

agents

18,420

merchants

94,100

txns 24h

1.4M

  • Cash-in · Agent 22
    +2,000.00completed
  • P2P transfer
    -350.00completed
  • Merchant payment
    -128.00completed
  • Airtime top-up
    -50.00processing

Ecosystem

More than a wallet. An entire financial ecosystem.

Every participant — subscriber, agent, merchant, business, bank and operator — connects through the same infrastructure layer.

Customer
Agent
Merchant

jStack Mobile Money Infrastructure

wallets · ledger · fees · commissions · rules

Business
Bank
Telecom Operator

Core Capabilities

Everything a mobile money operation runs on.

  • Customer Wallets
  • Agent Wallets
  • Merchant Wallets
  • Cash-In
  • Cash-Out
  • P2P Transfers
  • Merchant Payments
  • Airtime Recharge
  • Bill Payments
  • Bank Transfers
  • Bulk Payments
  • Fees & Commissions
  • Transaction Limits
  • Settlement
  • Reconciliation

Agent Network

Build and manage your agent network.

Operate distributed cash-in and cash-out networks with configurable agent hierarchies, liquidity controls and commissions.

  • Agent onboarding
  • Agent hierarchy
  • Super-agent support
  • Float management
  • Cash-in / cash-out
  • Agent limits
  • Commissions
  • Territory management
  • Agent transactions
  • Performance monitoring
Agent Networkoperations
  • AgentAgent 22
    RegionNorth
    Float8,420.75
    Cash3,100.00
    Txns (7d)1,482
    Commission212.40
    Statusactive
  • AgentAgent 41
    RegionCoastal
    Float2,140.00
    Cash980.00
    Txns (7d)612
    Commission88.10
    Statusactive
  • AgentSuper-Agent 03
    RegionCentral
    Float94,200.00
    Cash12,400.00
    Txns (7d)8,940
    Commission1,904.00
    Statusactive
  • AgentAgent 77
    RegionSouth
    Float310.00
    Cash120.00
    Txns (7d)94
    Commission12.60
    Statuspending

Channel Support

Reach customers across every channel.

From smartphone apps to USSD on basic handsets — the same account, balance and limits follow the customer.

Mobile App
USSD
Web
Agent App
Merchant App
API

One mobile money core

same balances, limits and rules on every channel

Architecture

Connect subscribers to the financial ecosystem.

Participants

  • Subscribers
  • Agents
  • Merchants

Channels

  • Mobile App
  • USSD
  • Agent App
  • Merchant App

Platform

  • jStack Mobile Money

Core

  • Wallet
  • Ledger
  • Fees
  • Rules
  • Commissions

Rails

  • Banks
  • Telecom Networks
  • Billers
  • Payment Networks

Operations

Tooling for the teams running the platform.

  • Customer management
  • Agent operations
  • Merchant operations
  • Fee configuration
  • Commission configuration
  • Transaction monitoring
  • Limits
  • Reconciliation
  • Settlement
  • Reporting

Use Cases

Deployed by operators, banks and governments.

  • Telecom Operators
  • Banks
  • Governments
  • Fintechs
  • Financial Inclusion Programs
  • National Payment Ecosystems

Launch a mobile money ecosystem built for your market.

Wallets, agents, merchants and rails — configured to your market's operating model.

Talk to jStack