jStack

Mobile Money Platform

Launch an entire mobile money ecosystem.

Build mobile money services for customers, agents and merchants with wallet, cash-in and cash-out, payments, airtime, bills, commissions and settlement infrastructure.

Talk to an Expert Explore Mobile Money Platform ↓

Participants

  • Customer
  • Agent
  • Merchant
  • Business

Channels

  • App
  • USSD
  • Agent App
  • Merchant App
  • jStack Mobile Money Platform

Ecosystem

More than a wallet. An entire financial ecosystem.

Participants

  • Customer
  • Agent
  • Super Agent
  • Merchant
  • Business
  • Bank
  • Telecom Operator
  • jStack Mobile Money Infrastructure

Customer Capabilities

Everyday financial services for subscribers.

  • Wallet
  • Cash In
  • Cash Out
  • P2P Transfer
  • Merchant Payment
  • Bank Transfer
  • Airtime
  • Data Bundle
  • Bill Payment
  • Transaction History
  • Card where configured
Mobile Money09:41

Available balance

86,500.00 KES

  • Send
  • Cash out
  • Pay
  • Airtime

Recent activity

  • Cash in at agent

    agent · A. Rahman

    +5,000.00

  • Merchant payment

    Zawadi Stores

    -1,240.00

  • Airtime top-up

    self recharge

    -200.00

Agent Network

Build and operate a distributed agent network.

Cash access is the backbone of mobile money. The platform manages hierarchy, float, commissions, limits and performance across the network.

  • Agent Onboarding
  • Super-Agent Hierarchy
  • Agent Wallet
  • Float Management
  • Cash Balance
  • Cash-In
  • Cash-Out
  • Commission
  • Limits
  • Territory
  • Agent Performance
  • Transaction Monitoring
Agent Network Operationsdemo data

agents

6,412

super agents

184

float balance

42.8M

cash-in today

128,904

  • AgentA. Rahman
    TerritoryNorth District
    Float412,000.00
    Commission1.20%
    Statusactive
  • AgentZawadi Kiosk
    TerritoryCentral
    Float86,500.00
    Commission0.95%
    Statusactive
  • AgentSunrise Agents
    TerritoryCoastal
    Float18,240.00
    Commission1.05%
    Statuspending
  • AgentM. Okoye (Super)
    TerritoryRegional
    Float2,140,000.00
    Commission0.40%
    Statussettled

Merchant Network

Acceptance across the merchant ecosystem.

  • Merchant Registration
  • Merchant Wallet
  • QR Payments
  • Payment Acceptance
  • Transaction History
  • Settlement
  • Refunds
  • Merchant Hierarchy
Merchant Operationsdemo data
  • MerchantZawadi Stores
    ChannelQR
    Volume184,200.00
    SettlementT+1
    Statussettled
  • MerchantKite Pharmacy
    ChannelMerchant App
    Volume42,110.00
    SettlementT+1
    Statuspending
  • MerchantAtlas Fuel
    ChannelUSSD
    Volume612,900.00
    SettlementDaily
    Statussettled
  • MerchantMeridian Cafe
    ChannelQR
    Volume9,480.00
    SettlementT+2
    Statusin flight

Channel Infrastructure

Reach customers across every channel.

01

Mobile App

Full-feature smartphone experience for subscribers.

02

USSD

Feature-phone access where supported by the operator integration.

03

Web

Browser access to balances, payments and history.

04

Agent App

Cash-in, cash-out, float and commission tools.

05

Merchant App

Acceptance, history and settlement visibility.

06

API

Programmatic access for partners and internal systems.

Operations Platform

One console for the entire programme.

  • Customers
  • Agents
  • Merchants
  • Wallets
  • Transactions
  • Commissions
  • Fees
  • Limits
  • Settlement
  • Reconciliation
  • Services
  • Reports

Architecture

The mobile money stack end to end.

Participants

  • Subscribers
  • Agents
  • Merchants

Channels

  • Mobile
  • USSD
  • Agent
  • Merchant
  • jStack Mobile Money Platform
  • Wallet
  • Ledger
  • Fees
  • Commissions
  • Payments
  • Airtime
  • Bills
  • Bank Transfer

Rails

  • Banks
  • Telecom
  • Billers
  • Payment Networks

Relevant jStack Products

The jStack products behind this solution.

Mobile money programmes combine Mobile Money with wallet, acceptance and digital service modules.

Business Benefits

What operators gain.

  • Complete Ecosystem

    Customers, agents and merchants on one infrastructure layer.

  • Cash Access at Scale

    Hierarchy, float and commission built into the platform.

  • Channel Reach

    App, USSD, web and partner APIs from the same core.

  • Service Revenue

    Airtime, data, bills and digital services on the same rails.

  • Operational Control

    Fees, limits, reconciliation and reporting in one console.

  • Market Configurability

    Adapt models per market and regulatory environment.

Who It's For

Built for organizations distributing money at national scale.

  • Telecom Operators
  • Banks
  • Fintechs
  • Government Programs
  • Financial Inclusion Platforms
  • Mobile Money Operators

Related Use Cases

Programs built on mobile money.

Related Industries

Where mobile money is deployed.

Related Solutions

Launch mobile money infrastructure designed around your market.

Talk to our team about wallet, agent, merchant and settlement infrastructure for your programme.

Talk to jStack