The Jmoor Wallet doesn’t hold your money — it makes it behave. The instant you’re paid, tax is set aside, savings goals fill, spare change rounds up, and your cards stay in bounds. You keep your accounts; Jmoor keeps them working, and reconciles every cent.
Auto-split every payday
$3,200 inInteractive preview. Your pay lands in your own account — Jmoor just reserves the right slices first. Jmoor never holds your money.
The willpower problem
Two wallets, one system
They solve different problems. Most people use both, and they work as one.
Sets tax aside, fills savings, rounds up spare change, and powers your cards — automatically, the moment you’re paid. This is the money that acts.
You’re hereConnects the accounts you already have elsewhere into a single, aggregated view — with a real “safe to spend” figure. This is the money that you see.
Explore the Digital WalletWhat it does
Set the rules once. From then on, your pay takes care of itself — and you keep every account you already have.
Choose a percentage and every paycheque reserves it automatically — so the bill is already funded when it arrives.
Set goals — an emergency fund, a trip, a down payment — and each payday moves your slice before you can spend it.
Round card spend up to savings, and smooth uneven income so a big week helps carry a lean one.
Issue virtual cards with limits, merchant locks, and one-tap freeze — for spending that stays in bounds.
Where your employer offers it, reach wages you’ve already earned before payday — no loans, no interest.
Link the accounts you already have. Your money stays where it is — Jmoor orchestrates it, never holds it.
Auto-split
Set it once. From then on, the moment your pay lands it fans out — tax reserved, savings filled, bills accounted for — so what reaches you is genuinely, safely yours to spend.
What’s truly free to spend — after everything that already has a job is set aside.
A slice of every deposit reserved for tax, swept automatically the moment you’re paid.
Named goals that fill on every payday — plus round-ups from your everyday spend.
Recurring bills accounted for ahead of time, so nothing bounces and nothing surprises you.
Reserved amounts land in accounts you own — Jmoor sets them aside, it doesn’t hold them.
Your money never leaves your control. Jmoor gives the intelligence; you keep the funds.
Your pay lands in your own bank account. Jmoor never takes custody, so it can never lock you out.
Jmoor is the brain, not the vault. You decide the rules; the automation simply carries them out.
Sweeps, savings, and card spend are all logged and reconciled — a clean trail you can always check.
Setting money aside on your behalf only works if every movement is exact. So behind the Wallet runs a real double-entry ledger — the same discipline banks and auditors trust — recording every sweep, saving, and card transaction, and reconciling it against the payment partners daily.
Every movement books a matching debit and credit. The books can’t drift out of balance — the math won’t allow it.
Entries are written once and never altered or deleted. Corrections are new reversing entries, so history stays intact.
Every instruction carries a key, so a retried request can never move money twice. No accidental double-charges.
Balances are checked against the payment partners daily. If anything drifts, it’s flagged and held for review — not hidden.
Illustrative entries. Debits equal credits — every time, by design.
Freelance, gig, or commission income doesn’t arrive in tidy equal amounts. Income smoothing reserves a portion from your strong weeks so your lean weeks feel steadier — and round-ups quietly grow your savings from everyday spend.
What automation is worth
Illustrative figures. Actual results depend on your pay, settings, and plan.
Security & control
Your funds stay in your own accounts. Jmoor moves money on your instruction — it doesn’t hold it.
Sensitive data is tokenized and encrypted; access is gated by secure sign-in and MFA.
A complete, timestamped record of each sweep, saving, and card transaction — nothing off-book.
Features and limits can flex with Jmoor’s internal trust score — responsibly, not arbitrarily.
People and cards reach only the controls their role allows. Nothing more.
Money movements are matched against partner records daily, so the numbers you see are the numbers that cleared.
Who it’s for
Paid through Jmoor? Your tax and savings sort themselves out the moment your pay lands — no willpower required.
Uneven income, quarterly tax. Auto set-aside and smoothing turn the panic into a plan.
Reserve bills, fill shared goals, and stop the month-end guessing game for good.
Give people controlled cards and automated set-asides, with every dollar reconciled into the books.
Better together
Because everything shares the same ledger, money doesn’t get exported, re-keyed, or reconciled by hand. It just flows.
Wallet vs a banking app
Frequently Asked Questions
It’s the automation layer around your pay. The moment you’re paid, the Wallet can set tax aside, fill your savings goals, round up your spare change, and power your virtual cards — all according to rules you set. It orchestrates your money; it doesn’t hold it.
No. Jmoor is non-custodial for your personal funds — your pay lands in your own bank account and your savings live in accounts you own. Jmoor moves money on your instruction and keeps the record straight, but it never takes custody, so it can never freeze or lock you out.
The Wallet is about action — automating what happens to your pay (tax set-aside, savings, round-ups, cards). The Digital Wallet is about visibility — aggregating the accounts you already have elsewhere into one “see everything” view. Many people use both; they work as one system.
You choose a percentage, and every time you’re paid, that slice is swept into your Tax Vault automatically — before you can spend it. When tax is due, the money is already reserved instead of scrambled for.
Savings goals are named targets — an emergency fund, a trip, a down payment — that fill a little on every payday. Round-ups take your everyday card spend up to the nearest dollar and sweep the difference into savings, so you save without noticing.
If your income is uneven — common for freelancers and gig workers — income smoothing reserves a portion from your strong weeks so your lean weeks are steadier. It turns a bumpy cash flow into something you can plan around.
You can issue virtual cards with their own spending limits, merchant or category locks, and one-tap freeze. Card spend is logged and reconciled automatically, and round-ups from that spend can feed your savings.
Every money movement is recorded on an append-only, double-entry ledger and reconciled against the payment partners daily. If anything drifts beyond a small threshold, it’s flagged and held for review rather than quietly absorbed. Availability of features may depend on your plan, employer, region, and verification.
Related products
Set tax aside, fill your savings, and keep spending in bounds — automatically, on money that stays yours. This is what a wallet was supposed to be.
One System. Every Number. Total Confidence.
