JŪMA is a healthcare wallet. Patients deposit money specifically for healthcare at participating providers. That money earns bonus credits and can only be used for care—not transferred, not withdrawn for non-healthcare spending. Providers receive payment at the time of service, guaranteed.
HSA and FSA accounts are government-regulated, employer-dependent, and explicitly exclude cosmetic dentistry, aesthetics, and most elective care. JŪMA is private, requires no employer, no health plan, and was built specifically for that care. You can fund it today.
Yes. All wallet funds are held in FDIC-insured accounts through our banking partner. Your money is protected by the same standards as a traditional bank account.
Never. JŪMA is savings-based. You load money you already have, earn bonus credits on your balance, and spend it within the network. No debt. No interest. No approval process.
That's the point. Your JŪMA wallet works across the entire provider network — dental, aesthetics, wellness, compounding pharmacy, and more. One wallet. Every provider.
We’re building a clear exit policy. If your provider leaves the network and no suitable alternative is nearby, you’ll receive a full refund of your deposited funds. Details will be published before launch.
Those are loans. You’re borrowing money and paying it back with interest. JŪMA is savings-based. Every dollar you spend was already yours. No debt, no interest, no credit check.
We're in our founding phase now. Founding members lock their rate, unlock referral rewards, and get access before we open the network publicly. Claim your spot today.
