Wallets/lynk
Lynk (by NCB Jamaica)
0 standards supported
Overview
Lynk is Jamaica's largest mobile wallet, operated by TFOB (2021) Limited — NCBFG (NCB Jamaica's holding group) subsidiary [1, 2, jm-cro]. 200,000+ Lynk wallet holders + 400,000+ app downloads + 3,000+ merchants (2023 baseline; growing).
2025-2026 milestones:
- May 2025: TFOB (2021) Limited awaiting BoJ approval for Lynk Virtual Visa Card launch [3].
- April 2026: Lynk Virtual Visa Card launches across Jamaica + contactless tap-to-pay on Android devices [3].
- Lynk + Jam-Dex digital currency integration — Tax Administration Jamaica (TAJ) acceptance.
Distinctive Lynk positioning: Jam-Dex digital-currency integration — Jamaica is the first Caribbean country to launch a CBDC (Central Bank Digital Currency) with Jam-Dex (Jamaica Digital Exchange); Lynk is the primary Jam-Dex consumer wallet.
2023 — MoneyGram partnership [4]: Digital-receive remittance capabilities to Lynk in Jamaica — distinctive remittance-bridge enablement.
History
2021 — Lynk launches [2] by TFOB (2021) Limited (NCBFG subsidiary) as Jamaica's mobile wallet.
2022 — 400K app downloads + 3K+ merchants [1].
2023 — 200K+ Lynk wallet holders + MoneyGram digital-receive remittance partnership [4].
Jam-Dex CBDC integration — Jamaica's CBDC launched 2022; Lynk = primary Jam-Dex consumer wallet.
May 2025 — TFOB (2021) Limited applies for BoJ virtual Visa card approval [3].
April 2026 — Lynk Virtual Visa Card launch + Android tap-to-pay contactless [3].
Ownership & operator
Operating entity: TFOB (2021) Limited — NCBFG subsidiary.
Parent: NCBFG (NCB Financial Group) — Jamaican holding company of NCB Jamaica (National Commercial Bank Jamaica), Jamaica's largest bank.
Regulators: BoJ (Bank of Jamaica).
Technical integration
| Layer | Description |
|---|---|
| Channels | Lynk mobile app (iOS + Android) + Lynk Virtual Visa Card (Apr 2026+) |
| Identifiers | Phone + email |
| Jamaican rail | Jamaica national payment-rail integration + Jam-Dex CBDC integration |
| Lynk Virtual Visa Card (Apr 2026+) | Available across Jamaica + contactless tap-to-pay on Android devices |
| License | Payment Services + Virtual Card (via NCBFG; BoJ-regulated) |
| Distinctive remittance integration | MoneyGram digital-receive (2023+) |
Users & growth
- Lynk wallet holders (2023): 200,000+
- Lynk app downloads (2022): 400,000+
- Merchants (2022): 3,000+
- MoneyGram digital-receive remittance (2023+)
- April 2026 Lynk Virtual Visa Card launch + Android contactless tap-to-pay
Use cases
Jamaica mobile-payment for retail; merchant payments at 3K+ Jamaican merchants; Jam-Dex CBDC consumer wallet (primary); MoneyGram digital-receive remittance into Lynk; Tax Administration Jamaica (TAJ) acceptance; Apr 2026 Lynk Virtual Visa Card + Android tap-to-pay contactless.
Implementations & partners
Operator: TFOB (2021) Limited (NCBFG subsidiary).
Parent: NCBFG (NCB Financial Group) — Jamaica's largest bank-holding group.
Card-network partner: Visa (Lynk Virtual Visa Card Apr 2026+).
Remittance partner: MoneyGram (2023+ digital-receive into Lynk).
Government integration: Tax Administration Jamaica (TAJ) + Bank of Jamaica Jam-Dex CBDC.
Major Jamaican mobile-payment competitors:
- [[wipay]] (WiPay Caribbean; Trinidad-headquartered with JM presence)
- JN Money (Jamaica National Money Services; remittance + payments)
- Sagicor Bank Mobile (Sagicor Group Caribbean mobile banking)
- Apple Pay Jamaica + Google Pay Jamaica (Big-Tech rivals)
Regulator: BoJ (Bank of Jamaica).
Fun facts
- Jamaica's largest mobile wallet — 200K+ holders + 400K+ app downloads + 3K+ merchants.
- Jam-Dex CBDC primary consumer wallet — Jamaica is the first Caribbean country with a CBDC.
- 2021 launch by TFOB (2021) Limited (NCBFG subsidiary).
- April 2026 Lynk Virtual Visa Card launch + Android contactless tap-to-pay.
- 2023 MoneyGram digital-receive remittance integration — distinctive Caribbean-remittance-bridge.
- NCBFG parent = NCB Jamaica's holding group; NCB Jamaica = Jamaica's largest bank.
- Tax Administration Jamaica (TAJ) acceptance.
Comparison
| Feature | Lynk | [[wipay]] (Caribbean payment platform rival) | JN Money (Jamaica remittance rival) | Sagicor Bank Mobile (Caribbean rival) | [[m-pesa]] (KE analogous mobile-money pioneer; covered Batch 1) |
|---|---|---|---|---|---|
| Operator | TFOB (2021) Limited (NCBFG subsidiary; NCB Jamaica's holding group) | WiPay Caribbean / WiPay Financial Group (Aldwyn Wayne) | Jamaica National Money Services | Sagicor Group Caribbean | Safaricom + Vodacom |
| Type | JM's largest mobile wallet + Jam-Dex CBDC primary consumer wallet + Apr 2026 Virtual Visa Card | Caribbean-headquartered payment platform + COLOUR App SMB | JM remittance + payments | Caribbean mobile banking | KE mobile-money pioneer |
| Country | Jamaica | TT + JM + BB + GY + LC | Jamaica + JN diaspora | Caribbean | 7+ African |
| Distinctive | Jam-Dex CBDC primary consumer wallet (JM 1st Caribbean CBDC); NCB Jamaica largest-bank parent; MoneyGram digital-receive 2023+; Apr 2026 Lynk Virtual Visa Card + Android tap-to-pay; TAJ acceptance | Caribbean-focused infrastructure; COLOUR App SMB; 5-country | JN diaspora-focus | Sagicor-anchored | KE mobile-money pioneer (2007); 51M+ users |
Status
Active, Jamaica's largest mobile wallet + Jam-Dex CBDC primary consumer wallet [1, 4]:
- TFOB (2021) Limited (NCBFG subsidiary) since 2021.
- 200K+ Lynk wallet holders + 400K+ app downloads + 3K+ merchants (2023 baseline; growing).
- Jam-Dex CBDC primary consumer wallet (Jamaica = 1st Caribbean country with CBDC).
- MoneyGram digital-receive remittance integration (2023+).
- April 2026 Lynk Virtual Visa Card launch + Android contactless tap-to-pay.
- NCB Jamaica largest-bank parent (NCBFG holding).
- BoJ regulated.
Sources
- 1 Lynk launches Virtual Card — NCB Jamaica
- 2 Lynk — official
- 3 NCB digital payment initiatives May 2025 — Jamaica Observer
- 4 MoneyGram digital-receive Lynk — PR Newswire
- jm-cro In-corpus:
reports/countries/JM-jamaica.md
Source
Biography extracted from lynk.md. See matrix.md for standards-support matrix if present.