Abstract: The present invention provides a jet ink composition suitable for application onto a substrate comprising an ink carrier, a colorant, a polyol, an aldehyde-based cross-linking agent, and a catalyst that promotes a reaction between the cross-linking agent, the polyol, and the substrate. The present invention further provides a process of jet ink printing onto a substrate comprising projecting a stream of ink droplets to said substrate, controlling the direction of the droplets so that the droplets form the desired printed image on the substrate, and heating the image to obtain a cured printed image. Examples of preferred cross-linking agents are modified melamine formaldehyde resin and modified urea formaldehyde resin. The substrates preferably possess carboxyl, hydroxyl, amide, or sulfhydryl groups. An example of a preferred substrate is cellulose. The cross-linking reaction is carried out at relatively moderate temperatures and at high speeds.