# Lynk (by NCB Jamaica)

> Source: https://docs.barcoder.ai/docs/wallets/lynk
> research date 2026-05-29 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Lynk — official](https://www.lynk.us/)

## Overview

**Lynk** is **Jamaica's largest mobile wallet**, operated by **TFOB (2021) Limited** — **NCBFG (NCB Jamaica's holding group) subsidiary** <sup>[1][1], [2][2], [Jamaica report](https://docs.barcoder.ai/docs/payments/JM)</sup>. **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 <sup>[3][3]</sup>.
- **April 2026**: **Lynk Virtual Visa Card launches** across Jamaica + **contactless tap-to-pay on Android devices** <sup>[3][3]</sup>.
- **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** <sup>[4][4]</sup>: Digital-receive remittance capabilities to Lynk in Jamaica — distinctive remittance-bridge enablement.

## History

**2021 — Lynk launches** <sup>[2][2]</sup> by **TFOB (2021) Limited (NCBFG subsidiary)** as Jamaica's mobile wallet.

**2022 — 400K app downloads + 3K+ merchants** <sup>[1][1]</sup>.

**2023 — 200K+ Lynk wallet holders + MoneyGram digital-receive remittance partnership** <sup>[4][4]</sup>.

**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** <sup>[3][3]</sup>.

**April 2026 — Lynk Virtual Visa Card launch + Android tap-to-pay contactless** <sup>[3][3]</sup>.

## 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

**2023-2026 baseline** <sup>[1][1], [3][3]</sup>:
- **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 Caribbean](https://docs.barcoder.ai/docs/wallets/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](https://docs.barcoder.ai/docs/wallets/wipay) (Caribbean payment platform rival) | JN Money (Jamaica remittance rival) | Sagicor Bank Mobile (Caribbean rival) | [M-Pesa](https://docs.barcoder.ai/docs/wallets/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** <sup>[1][1], [4][4]</sup>:
- **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]: https://www.jncb.com/about-us/news-room/news/lynk-launches-virtual-card "Lynk launches Virtual Card — NCB Jamaica"
[2]: https://www.lynk.us/ "Lynk — official"
[3]: https://www.jamaicaobserver.com/2025/05/25/ncb-pushing-ahead-digital-payment-initiatives/ "NCB pushing ahead with digital payment initiatives May 2025 — Jamaica Observer"
[4]: https://www.prnewswire.com/news-releases/moneygram-introduces-digital-receive-capabilities-in-jamaica-through-partnership-with-lynk-the-largest-mobile-wallet-in-the-country-301768687.html "MoneyGram digital-receive Lynk Jamaica's largest mobile wallet — PR Newswire"
[jm-cro]: https://docs.barcoder.ai/docs/payments/JM

- [1] [Lynk launches Virtual Card — NCB Jamaica][1]
- [2] [Lynk — official][2]
- [3] [NCB digital payment initiatives May 2025 — Jamaica Observer][3]
- [4] [MoneyGram digital-receive Lynk — PR Newswire][4]
- <sup>[Jamaica report](https://docs.barcoder.ai/docs/payments/JM)</sup> In-corpus: `reports/countries/JM-jamaica.md`

## Source

Biography extracted from [lynk.md](https://docs.barcoder.ai/source/wallets/lynk). See `matrix.md` for standards-support matrix if present.