Electronic Money Software

Technology infrastructure for modern electronic money products.

Build and operate configurable electronic money accounts, wallets, payments, cards and operational workflows on modular financial infrastructure.

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Customer

Mobile
Web

Electronic Money Product

jStack Infrastructure

Accounts
Wallets
Ledger
Payments

Partners

Banking, Payment & Safeguarding Integrations

Core Proposition

The technology layer behind an electronic money business.

jStack supplies the software infrastructure. Licensed activity remains with your entity or regulated partners.

Customer Onboarding Integration

Connect the identity and verification providers your jurisdiction requires.

Electronic Money Account

Configurable account structures per product and segment.

Wallet Balance

Available, reserved and held balances on one ledger.

Money Transfer

Internal and external transfers through supported rails.

Payments

Collection and acceptance across supported channels.

Virtual Accounts

Referenced accounts where configured.

Cards

Card issuing integration linked to account balances.

Payouts

Disbursement to customers, partners and suppliers.

Transaction History

Complete referenced record per account.

Fees, Limits & Statements

Configurable pricing, thresholds and customer statements.

Core Financial Infrastructure

The modules an electronic money product runs on.

Account Management
Wallet Infrastructure
Ledger
Balance Management
Payments
Payouts
Virtual Accounts
Card Issuing Integration
Fees
Limits
Holds
Settlement
Reconciliation

EMI Operations Platform

Run the business from one operations console.

Customers, accounts, wallets, balances, transactions, cards, payments, payouts, limits, compliance status, settlement, reconciliation and reports.

Electronic Money Operations Consoledemo data

customers

48,210

accounts

52,904

held balance

86.2M

open cases

Customer	Account	Balance	Cards	Compliance status
Northwind Ltd	acc_4b71	184,220.40	2 active	active
S. Ibrahim	acc_9c02	1,940.20	1 active	pending
Atlas Marketplace	acc_2f55	612,900.00	8 active	active
Kite Digital	acc_7d18	22,410.00	None	in review

CustomerNorthwind Ltd
Accountacc_4b71
Balance184,220.40
Cards2 active
Compliance statusactive
CustomerS. Ibrahim
Accountacc_9c02
Balance1,940.20
Cards1 active
Compliance statuspending
CustomerAtlas Marketplace
Accountacc_2f55
Balance612,900.00
Cards8 active
Compliance statusactive
CustomerKite Digital
Accountacc_7d18
Balance22,410.00
CardsNone
Compliance statusin review

Ledger & Money Management

Maintain a clear record of every movement of value.

Account Ledgerdemo data

Opening balance: 142,880.00
Credits: +68,420.00
Debits: -24,180.00
Reserved funds: -2,899.60

Available balance184,220.40

Transaction Ledger
Account Ledger
Settlement Ledger
Reconciliation

Compliance Integration Layer

Integration-ready connections to the systems your programme requires.

These are configurable integrations with external providers. jStack does not make regulated compliance determinations.

KYC / KYB

Connect identity and business verification providers.

AML Screening

Route customers and transactions to screening providers.

Sanctions Screening

Integrate list screening where required.

Transaction Monitoring

Stream events to monitoring systems.

Risk Systems

Feed scores and decisions back into workflows.

Case Management

Connect investigation and resolution tooling.

Reporting

Export the datasets your obligations require.

Architecture

The electronic money technology stack.

Channels

Customer Channels

API Gateway

EMI Business Layer

Accounts
Wallet
Payments
Cards

Ledger
Fees
Limits
Rules

Compliance Integrations

Partners

Banks
Payment Networks
Financial Partners

Use Cases

Who builds on this infrastructure.

Electronic Money Institution
Payment Institution
Digital Bank
Fintech
Wallet Provider
Cross-Border Financial Platform
Corporate Payment Platform
Embedded Finance Provider

Relevant jStack Products

The jStack products behind this solution.

Electronic money programmes typically combine Core Banking and Banking-as-a-Service with wallet, payment and card modules.

Business Benefits

What the technology layer delivers.

One System of Record
Accounts, wallets and ledger consistent across products.
Configurable Products
Fees, limits, holds and rules per segment or market.
Operational Tooling
Support, settlement and reconciliation built in.
Integration-Ready Compliance
Connect the providers your jurisdiction requires.
Partner-Neutral
Work with your banking and payment partners.
Scalable Foundation
Add products and markets without re-platforming.

Related Use Cases

Products built on this stack.

Related Industries

Where this infrastructure is deployed.

Licensing, safeguarding, compliance obligations and regulated financial services depend on the jurisdiction and the customer's licensed entities or regulated partners. jStack provides the underlying technology infrastructure.

Build your electronic money technology stack on modular infrastructure.

Talk to our team about accounts, ledger, payments, cards and operational tooling for your programme.

Talk to jStack