Spend anywhere, in any currency. A digital wallet with virtual/physical debit cards, instant SEPA transfers, real personal IBANs, and non-custodial Solana + Ethereum wallets.

JIA Pay is a modern fintech banking product built for UK & EU consumers — a single app that unifies everyday spending, multi-currency accounts, and self-custody crypto.

Every EU user gets a real personal IBAN in their name for salary, direct debits, and free instant SEPA transfers. Users spend globally with Visa/Mastercard virtual debit cards (Apple Pay & Google Pay ready), switch seamlessly between EUR, GBP, and USD, and hold crypto in non-custodial Solana and Ethereum wallets where private keys never leave the device.

The build pairs a polished, payment-grade product experience — biometric auth, end-to-end encryption, one-tap wallet freeze — with a pragmatic multi-rail integration strategy across leading fintech infrastructure providers, plus a sandbox mode so the full banking flow can be demoed end-to-end before going live.

Digital wallet — instant multi-currency switching across EUR, GBP, USD.

Debit card service — Visa/Mastercard virtual cards with Apple Pay & Google Pay; physical cards on the roadmap.

Real IBANs & SEPA — personal EU IBAN per user; free instant (or next-day) SEPA transfers to any EU bank.

Non-custodial crypto — Solana & Ethereum wallets; keys stay on-device, JIA never touches user funds.

Instant crypto swaps — 1% flat fee, instant execution.

Sandbox mode — fake cash + crypto test environment for safe demos and development.

Security — biometric authentication, end-to-end encryption, one-tap account/wallet freeze.

Onboarding — Stripe Identity KYC with auto country detection (US / Europe).

Referrals — share links, earn per successful KYC.

24/7 support built into the product.

Next.js 16 (App Router)

React

TypeScript (full type safety)

Radix UI Themes

Tailwind CSS

Framer Motion (animations)

Lucide React & Radix UI Icons

Rose-gold brand palette (#d9734f / #e68a6b / #f5d1c1)

Typography: Inter (sans) + Playfair Display (display/cursive)

Mobile-first, responsive

Non-custodial wallets — Solana

Non-custodial wallets — Ethereum

On-device key management

Crypto swaps (1% fee)

Stripe Issuing (virtual debit cards — primary go-live rail, US & EU)

Stripe Identity (KYC / ID verification)

Unit (banking-as-a-service sandbox — accounts, wires, card issuance)

Swan (EU rail — SEPA, IBANs, virtual/physical cards)

TrueLayer (open banking — instant UK/EU transfers & top-ups)

Wallester (branded physical cards — pipeline)

Lithic & Marqeta (US card issuing — pipeline)

Apple Pay / Google Pay

Firebase Hosting

npm

Git / GitHub

JIA Pay is designed multi-rail so no single provider is a single point of failure:

Stripe Issuing = main go-live for virtual cards (US & EU) — fast, cheap, fully controlled.

Unit = sandbox for full banking-flow demos (accounts, transfers, card issuance).

Swan = European backup rail for SEPA + IBANs.

TrueLayer = the send/top-up layer — users spend via Stripe cards, move fiat instantly via open banking.

Wallester + TrueLayer = branded physical cards + transfers (pipeline).

Lithic + Marqeta = additional US issuing options (pipeline).

The spend-and-fund pattern: users spend with a Stripe virtual card and top up / send via TrueLayer — combining card issuing with real-time open-banking money movement.

Preview: https://jia-pay.web.app