Telecom
Turn telecom infrastructure into a financial services ecosystem.
Enable mobile money, payments, airtime, data, bill payments, merchant services and embedded financial products for subscribers, agents and merchants.
active agents
24,118
float balance
18.4M
cash-in (24h)
6.1M
commissions
142K
| Agent | Region | Float | Cash-in | Cash-out | State |
|---|---|---|---|---|---|
| AG-40128 | North | 142,000.00 | 38,400.00 | 21,900.00 | settled |
| AG-51902 | Coast | 86,500.00 | 12,050.00 | 9,400.00 | pending |
| AG-77341 | Central | 310,200.00 | 94,800.00 | 66,100.00 | settled |
| AG-90815 | Lakes | 54,700.00 | 8,200.00 | 4,050.00 | processing |
- AgentAG-40128RegionNorthFloat142,000.00Cash-in38,400.00Cash-out21,900.00Statesettled
- AgentAG-51902RegionCoastFloat86,500.00Cash-in12,050.00Cash-out9,400.00Statepending
- AgentAG-77341RegionCentralFloat310,200.00Cash-in94,800.00Cash-out66,100.00Statesettled
- AgentAG-90815RegionLakesFloat54,700.00Cash-in8,200.00Cash-out4,050.00Stateprocessing
Industry Challenge
Telecom operators already have distribution. Financial infrastructure unlocks what comes next.
Subscriber reach is rarely the constraint — connecting channels, agents, billers and settlement is.
- Large subscriber bases with limited financial product monetization
- Fragmented recharge and digital-service integrations
- Complex agent networks and float management
- Cash-in and cash-out operations across regions
- Merchant payment acceptance requirements
- Wallet and payment infrastructure gaps
- Settlement and reconciliation complexity
- Multiple channels: USSD, mobile app and agent interfaces
What jStack Enables
A financial layer built around subscribers, agents and merchants.
Compose only the modules your network needs and add more over time.
- Mobile MoneySubscriber, agent and merchant money movement.
- WalletsSubscriber and agent stored value.
- AirtimeDigital recharge distribution.
- Data BundlesBundle catalogs and fulfilment.
- Bill PaymentsConnect to supported billers.
- Merchant PaymentsQR acceptance for agents and merchants.
- Gift Cards & Digital ProductsVouchers and digital goods.
- PayoutsCommissions and disbursements.
- Card ProgramsExtend wallets into card products.
Telecom Use Cases
What operators build on top of the network.
- 01
Mobile Money
Launch customer, merchant and agent financial ecosystems.
- 02
Airtime & Data Distribution
Digitize recharge and data bundle purchasing.
- 03
Agent Networks
Manage float, commissions, cash-in and cash-out.
- 04
Merchant Payments
Allow telecom merchants and agents to accept payments.
- 05
Digital Services Marketplace
Offer bills, vouchers, gift cards and other services.
- 06
Embedded Financial Services
Extend subscriber experiences into payments and cards.
Telecom Architecture
From subscriber channels to connected rails.
Channels
- Subscriber App
- USSD
- Agent App
- Merchant App
- jStack Telecom Financial Layer
Modules
- Wallet
- Mobile Money
- Payments
- Airtime
- VAS
Platform
- Ledger
- Fees
- Commissions
- Rules
- Reconciliation
Connected
- Telecom Network
- Banks
- Billers
- Payment Networks
Operational Capabilities
Everything an operator's financial unit runs day to day.
- Subscriber Wallets
- Agent Onboarding
- Float Management
- Commission Rules
- Cash-in / Cash-out
- Airtime Recharge
- Data Bundles
- Biller Connections
- Merchant Acceptance
- Settlement
- Reconciliation
- Reporting
active agents
24,118
float balance
18.4M
cash-in (24h)
6.1M
commissions
142K
| Agent | Region | Float | Cash-in | Cash-out | State |
|---|---|---|---|---|---|
| AG-40128 | North | 142,000.00 | 38,400.00 | 21,900.00 | settled |
| AG-51902 | Coast | 86,500.00 | 12,050.00 | 9,400.00 | pending |
| AG-77341 | Central | 310,200.00 | 94,800.00 | 66,100.00 | settled |
| AG-90815 | Lakes | 54,700.00 | 8,200.00 | 4,050.00 | processing |
- AgentAG-40128RegionNorthFloat142,000.00Cash-in38,400.00Cash-out21,900.00Statesettled
- AgentAG-51902RegionCoastFloat86,500.00Cash-in12,050.00Cash-out9,400.00Statepending
- AgentAG-77341RegionCentralFloat310,200.00Cash-in94,800.00Cash-out66,100.00Statesettled
- AgentAG-90815RegionLakesFloat54,700.00Cash-in8,200.00Cash-out4,050.00Stateprocessing
Relevant jStack Products
The jStack products behind this solution.
Most telecom programs combine Mobile Money and Wallet with Airtime, Bill Payments and Payouts.
- Mobile MoneyAgent and subscriber money movement.
- WalletStored value and balances.
- AirtimeRecharge distribution.
- Data BundlesBundle catalogs.
- Bill PaymentsSupported biller connections.
- Digital ProductsVouchers and digital goods.
- Value Added ServicesVAS orchestration.
- QR PaymentsAgent and merchant acceptance.
Business Benefits
Operational outcomes for network operators.
New Digital Revenue Streams
Monetize distribution beyond connectivity.
Greater Subscriber Engagement
Daily financial utility inside telecom channels.
Agent Network Monetization
Commission and float models that scale.
Unified Financial Infrastructure
One layer instead of point integrations.
Multi-Channel Access
App, USSD and agent interfaces on the same core.
Faster Product Launch
Add modules without re-architecting.
Who It's For
Built for telecom financial teams.
- Mobile Network Operators
- MVNOs
- Telecom Fintech Units
- Agent Networks
- Telecom Digital Businesses
Related Industries
Infrastructure for adjacent sectors.
Build the financial ecosystem around your telecom network.
Talk to our team about mobile money, agent networks and digital services infrastructure.