PIX is Brazil's instant payments network — launched by the Brazilian Central Bank in 2020 and now the fastest-growing payments rail in the world, with 6 billion transactions per month and adoption by 90%+ of the adult population. JJ4Tech brings the same production-grade infrastructure that powers PIX to U.S. financial institutions — Fed-certified and ready for FedNow.
Trusted Infrastructure. Recognized Leadership.
JJ4Tech holds full Federal Reserve approval for Receive Only, Send and Receive, Receive RFP, and Liquidity Management Transfer — placing us among just twelve of the 47 listed providers with complete certification.
The Platform
FedNow settles in seconds. But settlement is just one piece. JJ4Tech delivers the full stack — initiation, processing, operations, and liquidity control — built to the standards U.S. banks demand and the speed the market expects.
We don't settle payments — your institution does. JJ4Tech provides the control layer, the operational intelligence, and the connection to FedNow. Funds remain in your regulated deposit accounts at all times; settlement happens directly between your bank and the Federal Reserve.
Our Products
From initiation to settlement to operations — engineered to work together, sold to work apart.
The FedNow connection engine.
JJ-InstaPay connects your institution directly to the Federal Reserve's FedNow rail — combining the programmability of stablecoins with the regulatory safety of regulated deposit accounts.
The operational command center for 24/7/365 payments.
JJ-Cockpit is the standalone frontend purpose-built for FedNow operations. Monitor every transaction, manage liquidity in real time, and execute LMTs directly — without touching your core banking system.
The FedNow initiation layer.
JJ-QRCode replaces manual routing and account number entry with a single scan. We translate any QR payload — dynamic or static — into the exact ISO 20022 message FedNow requires, instantly.
Our DNA
JJ4Tech is built by the same founders behind JD Consultores — our sister company and the leading instant payments provider in Brazil's PIX ecosystem.
We're not bringing theory to the U.S. market. We're bringing infrastructure that has already processed more transactions than most American payment networks combined — refined over years of mission-critical operations for banks, fintechs, and Brazil's Central Bank itself.
The technology is proven. The team is the same. The market is new.
Why JJ4Tech
The traditional payments software industry was built for batch settlement. We were built from day one for real-time, 24/7/365 operations.
Built for the 24/7/365 cadence of FedNow — not adapted from batch-era infrastructure. Elastic scalability, proactive redundancy, and zero scheduled downtime engineered into the architecture from day one.
Full PACS and CAMT message support across all FedNow flows — not retrofitted onto older messaging formats. The standard the Federal Reserve requires, with no translation layers or proprietary workarounds.
Modern RESTful interfaces built to integrate cleanly with your existing core. Pair our products together for an end-to-end stack, or deploy them standalone alongside any FedNow infrastructure you already have.
A handful of forward-thinking institutions will define how instant payments work in the U.S. market. The terms are exclusive. The cohort is small. The window won't stay open long.
Or reach us directly at info@jj4tech.com
