Neo Banking
Launch digital-first banking products without rebuilding the financial stack.
Combine accounts, payments, cards, wallets and financial APIs to build consumer or business neobanking experiences.
Available balance
4,820.65
Main account · ····4417
- Transfer
- Pay Bills
- Recharge
- Cards
Cards
- Data bundle · 5GB-9.99
- Salary credit+3,200.00
- Electricity bill-64.10
The Opportunity
Focus on the customer experience. Connect the financial infrastructure underneath it.
A neobank experience looks like an app. It runs on eleven infrastructure concerns.
- Identity and customer onboarding.
- Accounts and account structures.
- Wallets and balance management.
- Money movement between customers and rails.
- Card issuing and cardholder controls.
- Bill payments and everyday services.
- Payouts to banks, wallets and mobile money.
- Ledger, settlement, limits, controls and APIs.
Solution Architecture
The stack behind a neobank app.
Customer
- Neobank App
- jStack API Layer
Modules
- Account
- Wallet
- Payment
- Card
- Payout
Controls
- Ledger
- Rules
- Fees
- Limits
Connected
- Banking Partners
- Payment Partners
Core Capabilities
Every module a neobanking product assembles from.
- Customer Accounts
- Wallets
- Virtual Accounts
- Money Transfers
- Payment Collection
- Card Issuing
- Virtual Cards
- Physical Cards
- Bill Payments
- Airtime & Digital Services
- Transaction History
- Financial Controls
Experience Modules
Assemble the surfaces your customers actually touch.
Available balance
4,820.65
Main account · ····4417
- Transfer
- Pay Bills
- Recharge
- Cards
Cards
- Data bundle · 5GB-9.99
- Salary credit+3,200.00
- Electricity bill-64.10
Everyday
- Balance
- Transfer
- Pay Bills
- Recharge
Cards
- Virtual Card
- Physical Card
- Controls
Records
- Transactions
- Statements
Relevant jStack Products
The jStack products behind this solution.
- Banking-as-a-ServiceComposable banking modules.
- Core BankingSystem of record and ledger.
- Virtual AccountsPer-customer collection identifiers.
- WalletBalances, transfers and limits.
- Card IssuingProgram setup and lifecycle.
- Virtual CardInstant issuance and controls.
- Physical CardProduction and delivery.
- Bill PaymentsBillers and everyday payments.
Use Cases
One infrastructure layer, many neobank models.
- Consumer Neobank
- SME Banking
- Freelancer Banking
- Youth Banking
- Digital Salary Accounts
- Telecom-led Neobank
Business Benefits
Why teams build neobanks this way.
Ship the Experience First
Own the product surface while infrastructure runs underneath.
Composable Modules
Turn on accounts, cards or bills as the roadmap requires.
Single Ledger
One consistent record across wallet, card and payment activity.
Configurable Controls
Fees, limits and rules per product and segment.
Faster Iteration
Launch new segments without a new integration program.
API-First
Webhooks, sandbox and idempotent APIs from day one.
Turn a digital financial idea into a connected banking experience.
Tell us the segment you're building for and we'll map the infrastructure.