jStack

Multi-Currency Wallet

Manage multiple currencies through one wallet experience.

Build wallet products that let customers or businesses hold, manage and transact across supported currencies through configurable account and payment infrastructure.

Currency availability depends on market configuration and integrated partners.

Talk to an Expert Explore Multi-Currency Wallet ↓

One Wallet

  • Customer Identity

Balances

  • Currency A
  • Currency B
  • Currency C
  • Currency D
  • Shared Controls & Reporting

Core Proposition

One customer. Multiple currency balances.

Every balance shares the same identity, transaction history, controls and reporting.

Multi-Currency Walletdemo data

total (reference)

128,940.00

currencies

4

reserved

6,410.00

settlement

T+1

  • CurrencyCurrency A
    Available48,200.00
    Reserved1,200.00
    Reference value48,200.00
    Statusactive
  • CurrencyCurrency B
    Available36,940.00
    Reserved2,410.00
    Reference value39,880.00
    Statusactive
  • CurrencyCurrency C
    Available18,600.00
    Reserved800.00
    Reference value22,310.00
    Statuspending
  • CurrencyCurrency D
    Available14,900.00
    Reserved2,000.00
    Reference value18,550.00
    Statusactive

Transfer

Send from any currency balance to a supported destination.

Exchange

Request a quote from the configured FX provider.

Core Capabilities

What the multi-currency wallet layer provides.

01

Multi-Currency Balances

Hold separate balances under one customer record.

02

Currency-Specific Wallets

Dedicated wallet objects per supported currency.

03

Transfers

Move value between wallets and supported destinations.

04

Payment Collection

Collect into the appropriate currency balance.

05

Payouts

Disburse from the matching currency balance.

06

Balance Management

Available, reserved and held amounts per currency.

07

Fees & Limits

Configure pricing and thresholds per currency and tier.

08

Virtual Accounts

Attach referenced accounts where supported.

09

Card Integration

Link cards to currency balances where supported.

10

Exchange Provider Integration

Connect the FX providers your markets require.

11

Settlement

Configurable settlement per currency and partner.

12

Reconciliation

Match balances, transactions and settlement records.

Currency Exchange

Connect currency conversion into the wallet experience.

FX execution can be performed through integrated regulated providers where required. jStack provides the technology layer that requests quotes, applies rules and records the movement — it is not necessarily the FX provider.

Source

  • Balance A
  • FX Request
  • Configured FX Provider
  • Rate / Quote
  • Confirmation

Destination

  • Balance B
FX & Settlement Operationsdemo data
  • CustomerAtlas Marketplace
    PairA → B
    Amount24,000.00
    ProviderConfigured FX provider
    Statuscompleted
  • CustomerNorthwind Ltd
    PairB → C
    Amount8,400.00
    ProviderConfigured FX provider
    Statuspending
  • CustomerS. Ibrahim
    PairA → D
    Amount1,250.00
    ProviderConfigured FX provider
    Statusin flight
  • CustomerKite Digital
    PairC → A
    Amount62,900.00
    ProviderConfigured FX provider
    Statussettled

Architecture

Where multi-currency wallets sit in the stack.

Channels

  • Mobile
  • Web
  • API
  • jStack Multi-Currency Wallet
  • Wallet
  • Balance
  • Ledger
  • Rules
  • FX Integration Layer
  • Payments
  • Payouts
  • Virtual Accounts

Rails

  • Banking & Financial Rails

Use Cases

Where multi-currency wallets apply.

  • Cross-Border Business
  • International Fintech
  • Travel Wallet
  • Freelancers
  • Global Marketplaces
  • Remittance
  • International Payroll
  • Digital Banking

Relevant jStack Products

The jStack products behind this solution.

Multi-currency products build on Wallet with collection, payout and card modules, and connect to the International Remittance solution where relevant.

Business Benefits

What this unlocks for the business.

  • One Customer Record

    Multiple balances without duplicating identities.

  • Cross-Border Ready

    Collect, hold and pay out in supported currencies.

  • Partner-Neutral FX

    Integrate the providers each market requires.

  • Consistent Controls

    Fees, limits and rules applied per currency.

  • Clear Reporting

    Reference values and reconciliation across balances.

  • Room to Expand

    Add currencies and rails as markets open.

Related Use Cases

Programs built on multi-currency wallets.

Related Industries

Where multi-currency wallets are deployed.

Related Solutions

Build one wallet for a multi-currency world.

Talk to our team about balances, FX integrations and settlement for your markets.

Talk to jStack