Wallet Infrastructure

Build wallets for people, businesses and ecosystems.

Launch secure and programmable wallet infrastructure for consumers, merchants, agents and enterprise financial products.

Talk to an Expert Explore Wallet Architecture ↓

Wallet · wal_4b71ledger-backed

Available

184,220.40

Reserved

12,905.00

Cash-in · Bank rail
+18,000.00completed
Transfer · wal_9c22
-2,400.00completed
Merchant payment
-125.50completed
Hold · order_7781
-320.00pending

Wallet Models

One wallet engine. Multiple financial experiences.

Every wallet type runs on the same ledger, rules and controls — configured differently for each participant in your ecosystem.

Consumer Wallet

Everyday balances, transfers and payments.

Merchant Wallet

Collections, settlement and payout balances.

Agent Wallet

Float, cash-in and cash-out operations.

Business Wallet

Operating balances for companies and platforms.

Multi-Currency Wallet

Balances structured across supported currencies.

Programmable Wallet

Rules, holds and automation on top of balances.

Shared infrastructure

Ledger
Balances
Rules
Fees
Limits

Core Capabilities

The financial primitives behind every balance.

Wallet Creation

Create and manage wallets through APIs and administrative tools.

Balance Management

Manage available, pending, reserved and ledger-backed balances.

Transfers

Support wallet-to-wallet and external money movement.

Cash-In & Cash-Out

Connect wallets to supported financial rails.

Fees & Limits

Configure transaction fees, thresholds and wallet controls.

Holds

Reserve funds for transactions or workflows.

Multi-Wallet

Support multiple wallet accounts under a single customer or business.

Multi-Currency

Structure wallet experiences across supported currencies.

Settlement & Reconciliation

Connect operational wallet activity with downstream financial settlement.

Wallet Architecture

A financial engine behind every wallet experience.

Channels

Mobile App
Web
Agent App
Merchant App
API

Wallet APIs

Engine

jStack Wallet Engine

Core

Ledger
Balance
Rules
Fees
Limits

Payment & Financial Rails

Banks
Mobile Money
Payment Networks
Stablecoin Rails

Money Movement

Support the way money moves across your ecosystem.

01Cash In
02Wallet
03Transfer
04Cash Out

Pay Merchant

Bill Payment

Airtime / Top-Up

wallet balance is the anchor · every movement is ledger-recorded

Wallet Management

Operations tooling for every wallet in the system.

Walletsoperations console

wallets

812,440

balances held

94.2M

transfers 24h

128,900

currencies

Customer	Wallet ID	Available	Reserved	Currency	Status
A. Rahman	wal_4b71	184,220.40	12,905.00	AED	active
Harbor Foods	wal_9c22	42,110.00	0.00	AED	active
Agent 22	wal_1f08	8,420.75	1,200.00	KES	active
Nova Retail	wal_7d31	310,880.10	24,000.00	INR	pending
L. Fernandes	wal_2a90	612.00	0.00	AED	active

CustomerA. Rahman
Wallet IDwal_4b71
Available184,220.40
Reserved12,905.00
CurrencyAED
Statusactive
CustomerHarbor Foods
Wallet IDwal_9c22
Available42,110.00
Reserved0.00
CurrencyAED
Statusactive
CustomerAgent 22
Wallet IDwal_1f08
Available8,420.75
Reserved1,200.00
CurrencyKES
Statusactive
CustomerNova Retail
Wallet IDwal_7d31
Available310,880.10
Reserved24,000.00
CurrencyINR
Statuspending
CustomerL. Fernandes
Wallet IDwal_2a90
Available612.00
Reserved0.00
CurrencyAED
Statusactive

Limits

daily 50,000 · monthly 400,000

Fees

transfer 0.25% · cash-out flat 2.00

Use Cases

Wallets powering entire financial ecosystems.

Fintech Wallets
Mobile Money
Digital Banking
Merchant Ecosystems
Payroll & Benefits
Closed-Loop Wallets
Government Disbursement
Consumer Payment Apps

Developers

Build wallet experiences through APIs.

Create wallets, move balances and stream transaction events with a consistent, ledger-backed API surface.

REST APIs
Webhooks
Idempotency
Sandbox
Ledger Events
Reporting

Wallet APIREST

POST   /wallets
GET    /wallets/{id}
GET    /wallets/{id}/balance
POST   /transfers
GET    /transactions

Build your wallet on infrastructure designed to scale.

Ledger, balances, rules and rails — ready for consumers, merchants, agents and businesses.

Talk to an Expert