jStack

Digital Wallet

Build a digital wallet around how your customers move money.

Create consumer and business wallet experiences for storing value, transfers, payments, cards and digital services using modular jStack infrastructure.

Talk to an Expert Explore Digital Wallet ↓
Wallet09:41

Available balance

1,940.20 USD

  • Send
  • Receive
  • Pay
  • Cards

Recent activity

  • Received from Atlas

    wallet transfer

    +420.00

  • Card purchase

    card ·4417

    -38.90

  • Bill payment

    biller · utility

    -96.40

Channels

  • Mobile
  • Web
  • API
  • jStack Digital Wallet
  • Ledger
  • Balance
  • Rules

Rails

  • Payments & Banking Rails

Wallet Journey

From wallet creation to everyday money movement.

  1. 01Create Wallet
  2. 02Fund
  3. 03Store Value
  4. 04Transfer
  5. 05Pay
  6. 06Spend
  7. 07Withdraw / Settle where supported

Core Wallet Capabilities

Everything the wallet needs, exposed as configurable modules.

01

Wallet Creation

Open wallets programmatically per customer or entity.

02

Balance Management

Available, reserved and held balances on one ledger.

03

Transfers

P2P and bank transfers through supported rails.

04

Funding & Withdrawal

Cash-in and cash-out where supported in the market.

05

Merchant & QR Payments

Online and in-person acceptance from the same balance.

06

Payouts

Disburse to customers, partners and suppliers.

07

Bills & Airtime

Everyday digital services inside the wallet.

08

Cards

Link virtual or physical cards to wallet balances where configured.

09

Fees & Limits

Configurable pricing and thresholds per wallet type.

10

Transaction History

Complete referenced record for customers and support.

11

Notifications

Event-driven updates across channels.

12

Reconciliation

Match wallet movements to settlement records.

Business & Operations

Operate wallets with full visibility.

Customers, wallets, balances, transactions, limits, fees, status, payment methods, settlement and reconciliation in one place.

Wallet Operationsdemo data

wallets

94,180

held balance

12.4M

txns today

38,902

settlement

T+1

  • CustomerL. Mensah
    Walletwal_5a12
    Balance1,940.20
    LimitTier 2
    Statusactive
  • CustomerAtlas Marketplace
    Walletwal_7b90
    Balance184,600.00
    LimitBusiness
    Statusactive
  • CustomerS. Ibrahim
    Walletwal_2c41
    Balance84.75
    LimitTier 1
    Statuspending
  • CustomerKite Digital
    Walletwal_9f33
    Balance22,410.00
    LimitMerchant
    Statussettled

Architecture

The wallet engine and everything around it.

Users

  • Consumer
  • Business

Channels

  • Mobile
  • Web
  • API
  • jStack Digital Wallet
  • Wallet Engine
  • Ledger
  • Balance
  • Fees
  • Limits

Connected

  • Payments
  • Banks
  • Cards
  • Digital Services

Wallet Types

One engine, multiple wallet models.

01

Consumer Wallet

Everyday retail balances and payments.

02

Merchant Wallet

Collection and settlement balances.

03

Business Wallet

Multi-user access with roles and approvals.

04

Closed-Loop Wallet

Value usable inside a defined ecosystem.

05

Prepaid Wallet

Pre-funded balances with configurable limits.

06

Multi-Currency Wallet

Multiple currency balances where supported.

Relevant jStack Products

The jStack products behind this solution.

Wallet products are usually assembled from Wallet, collection and payout modules.

Business Benefits

Why build the wallet on modular infrastructure.

  • Composable Feature Set

    Enable only the capabilities your product needs.

  • One Ledger

    Every movement of value recorded consistently.

  • Multi-Rail Reach

    Funding and payout across supported rails.

  • Configurable Controls

    Fees, limits and rules per wallet type.

  • Faster Iteration

    Add services without re-platforming.

  • Operational Visibility

    Support, settlement and reconciliation tooling included.

Who It's For

Built for teams putting a wallet at the centre of their product.

  • Fintechs
  • Banks
  • Consumer Platforms
  • Retail Ecosystems
  • Marketplaces
  • Telecom Operators
  • Enterprises

Related Use Cases

Products built on wallets.

Related Industries

Where digital wallets are deployed.

Related Solutions

Build the wallet experience your customers need.

Talk to our team about the wallet, payment and card modules behind your product.

Talk to jStack