jStack

White Label Mobile Wallet

Launch a wallet experience under your own brand.

Deploy a configurable mobile wallet for consumers, merchants and agents with payments, transfers, bill payments, airtime, cards and digital services powered by jStack infrastructure.

Talk to an Expert Explore Wallet Solution ↓
Your Brand09:41

Available balance

1,284.50 AED

  • Send
  • Pay
  • Bills
  • Top up

Recent activity

  • Sent to F. Karim

    p2p transfer

    -120.00

  • Utility bill

    biller · DEWA

    -284.75

  • Salary credit

    bank transfer

    +6,400.00

Experience

  • Mobile
  • Web
  • jStack Infrastructure
  • Wallet
  • Payments
  • Cards

Rails

  • Banks & Payment Networks

White Label Experience

Your brand. Your customer experience. jStack underneath.

Every application in the program runs on one shared wallet, ledger and payment infrastructure.

01

Customer Mobile App

Onboarding, balance, transfers, payments, bills, airtime and cards where configured.

02

Merchant App

Acceptance, QR collection, transaction history and settlement visibility.

03

Agent App

Cash-in and cash-out, float visibility and commission tracking where the model requires it.

04

Web Experience

Browser access to the same wallet balances, payments and history.

05

Admin & Operations

Customer, wallet, transaction, fee and limit administration for your team.

06

API Layer

Programmatic access so internal systems and partners integrate with the same infrastructure.

Customer Experience

Everyday money movement inside one branded app.

  • Registration & Onboarding
  • Wallet Balance
  • Send Money
  • Receive Money
  • P2P Transfers
  • Bank Transfer
  • Merchant Payments
  • QR Payments
  • Airtime
  • Data Bundles
  • Bill Payments
  • Gift Cards
  • Transaction History
  • Cards where configured
  • Profile & Security
  • Notifications

Wallet Models

Configure the wallet around your business model.

01

Consumer Wallet

Everyday balances, transfers and payments for retail customers.

02

Merchant Wallet

Collection, settlement and payout balances for businesses.

03

Agent Wallet

Float and cash balances for distribution networks.

04

Business Wallet

Multi-user access with roles and approval flows.

05

Closed-Loop Wallet

Value usable inside a defined ecosystem or program.

06

Multi-Currency Wallet

Multiple currency balances under one identity where supported.

Solution Architecture

One infrastructure stack behind every application.

The branded experience sits on top of jStack APIs, which connect to supported financial rails.

Applications

  • Mobile App
  • Web
  • Merchant App
  • Agent App

Solution

  • White Label Experience
  • jStack APIs
  • Wallet
  • Ledger
  • Payments
  • Cards
  • Digital Services

Rails

  • Banks
  • Payment Networks
  • Telecom
  • Supported Rails

Operations Platform

Run the wallet program day to day.

Customers, wallets, balances, transactions, merchants, agents, fees, limits, payments, settlement, reconciliation and support operations in one console.

Wallet Operations Consoledemo data

customers

182,410

active wallets

164,902

merchants

3,148

agents

1,027

  • CustomerN. Al Farsi
    Walletwal_4b71
    Balance1,284.50 AED
    Limit tierTier 2
    Statusactive
  • CustomerZawadi Stores
    Walletwal_9c02
    Balance18,940.00 KES
    Limit tierMerchant
    Statusactive
  • CustomerA. Rahman (Agent)
    Walletwal_2f55
    Balance42,100.00 BDT
    Limit tierAgent
    Statussettled
  • CustomerL. Mensah
    Walletwal_7d18
    Balance310.20 GHS
    Limit tierTier 1
    Statuspending

Configuration

Configure the program for your brand and market.

  • Brand
  • Logo
  • Theme
  • Currencies
  • Features
  • Payment Methods
  • Wallet Types
  • Transaction Limits
  • Fees
  • Merchant Categories
  • User Roles
  • Markets
  • Languages
  • Notifications

Availability of individual capabilities depends on market configuration, supported financial rails and your licensed entities or regulated partners.

Relevant jStack Products

The jStack products behind this solution.

A branded wallet typically combines Wallet with collection, payout and digital service modules.

Business Benefits

Why teams launch on jStack.

  • Faster Time to Market

    Deploy a configured wallet instead of building infrastructure.

  • Full Brand Ownership

    Your identity across every customer-facing surface.

  • Modular Feature Set

    Enable only the services a market or segment needs.

  • Multi-Party Ecosystem

    Consumers, merchants and agents on shared infrastructure.

  • Operational Control

    Fees, limits, roles and reconciliation in one console.

  • Room to Expand

    Add cards, currencies or services without re-platforming.

Who It's For

Built for organizations distributing financial services at scale.

  • Banks
  • Fintechs
  • Telecom Operators
  • Retail Ecosystems
  • Enterprises
  • Government Programs
  • Consumer Platforms

Related Use Cases

Wallets often power these programs.

Related Industries

Where branded wallets are deployed.

Related Solutions

Launch your wallet. Keep your brand. Use jStack for the infrastructure.

Talk to our team about the wallet, payment and digital service modules your program needs.

Talk to jStack