Don’t leave your dollars stranded
Jiko connects you to US Treasury Bills
Our innovative network gives unprecedented access to low-risk, fixed-income US Treasury Bills. Just add funds, and your Jiko automatically invests the balance in secure and reliable T-Bills.[1] Need access to your money? Your Jiko instantly releases funds on demand.[2]
Illustration not representative of past or future performance.
¹ Your investments are subject to certain risks. US Treasury Bills are securities and, as with any investment, you could lose all or part of your investment in your account. Learn more here.
² Learn more about our ACH transfer features and limitations here.
Don’t leave your dollars stranded
Jiko connects you to US Treasury Bills
Our innovative network gives unprecedented access to low-risk, fixed-income US Treasury Bills. Just add funds, and your Jiko automatically invests the balance in secure and reliable T-Bills.[1] Need access to your money? Your Jiko instantly releases funds on demand.[2]
Illustration not representative of past or future performance.
¹ Your investments are subject to certain risks. US Treasury Bills are securities and, as with any investment, you could lose all or part of your investment in your account. Learn more here.
² Learn more about our ACH transfer features and limitations here.
Safe. Spendable. Transparent.
Take control of your finances with the performance and security of US Treasury Bills. [1]
Connect me to the Jiko network
Download the Jiko beta app and join our community of smart savers on the Jiko network.
What’s in your Jiko
Direct cash management with US Treasury Bills
The Jiko network gives access to T-Bills without sacrificing access or liquidity.
Behind each Jiko is a focused network design that takes the work out of T-Bill investment. Your Jiko has a bank account and a brokerage account that work together, keeping your funds automatically invested in T-Bills.
When you need your money, it’s there. When you don’t, it’s earning competitive returns [1] in an investment backed by the “full faith and credit” of the US federal government.
Fast T-Bill Investment
Fund your Jiko and let the Jiko network go to work. Your Jiko converts your funds into low-risk T-Bills [1] that are sold on demand as money is needed.
Easy Money Transfers
T-Bills are short-term bonds with a maturity date, but the Jiko network is designed to keep your funds easily accessible.[2]
Peace of Mind
Your Jiko capitalizes on a distributed network design coupled with industry-standard encryption to provide trustworthy data security and privacy.
Why US Treasury Bills?
T-Bills are backed by the "full faith and credit" of the US federal government.
Treasury Yield
Cash is different from T-Bills. As short-term, low-risk bonds, T-Bills provide competitive returns and are regarded as among the safest investments available.[1]
Liquidity on Demand
With more than $1 trillion in outstanding debt, the US Treasury bond market is one of the largest and most active in the world. Your Jiko converts your T-Bill balance into cash whenever funds are released.[2]
Proven Stability
Often used by institutional investors, T-Bills have a 70+-year history of quality and stable performance even in times of turmoil.[1]
Joining the Jiko network means
Knowing where your money is at all times.
Your Jiko provides one-stop monitoring of your portfolio and annualized returns.
Choosing a network that offers integrated investing and spending.
With Jiko, you don’t have to choose between investment and liquidity.
Safeguarding privacy and data security.
Your financial data is an asset; that’s why so many companies are eager to harvest it. Your Jiko capitalizes on a distributed network design coupled with industry-standard encryption to provide data security and privacy.
Directly accessing safe and stable financial products and services.
Your Jiko connects you directly to a thoughtfully designed network that provides auto-investment in low-risk US Treasury Bills.[1]
Having confidence in the transparency and fairness of your financial services network.
At Jiko, we believe in doing things the right way. Whether it’s our app, our products, or our relationship with Jiko members, we’re building a network that will last.
Our Mission
Jiko is an innovative network that delivers financial service to members throughout the US. We believe in the power of technology and integrity to uncomplicate the banking system and return financial control to our members.
Our network has been thoughtfully designed to offer automated investment in low-risk, fixed-income US Treasury Bills.[1] We aim to provide straightforward transparency in everything from fees and rewards to member service.
Is the network available?
Currently in beta with more than 500 early access members, our secure platform gives one-click oversight of all your Jiko activity. Jiko is headquartered in California with offices in New York and Iceland.
We’re excited to embark on this journey with our Jiko community. The Jiko spendable T-Bill experience is the first hub on a wider network to come. Our team is committed to engineering new features that support our core tenets of user privacy, safety, and control.
As featured in
Join the Jiko beta network
Be one of the first to get a Jiko. Download the app and sign up.
Still have questions?
Browse our most frequently asked questions.
What's a Jiko?
Jiko is a network that provides straightforward financial service to members across the US. Our network is engineered to give automated access to investment in US Treasury Bills. Your Jiko capitalizes on a distributed network design coupled with industry-standard encryption to provide trustworthy data security and privacy.
As you fund your Jiko, our network invests your money in low-risk US Treasury Bills.[1] T-Bills are historically liquid investments, and your money is available on demand for withdrawal.[2]
What's a T-Bill?
T-Bills are short-term bonds backed by the "full faith and credit" of the US federal government. Each T-Bill comes with a set of fixed terms, including a maturity date and face value to be repaid.
T-Bills are sold at auction by the federal government to finance operations and service existing debt. Unlike stocks, which may pay dividends to investors, T-Bills remit only the full amount of the bond to holders. Known as “zero-coupon bonds,” T-Bills provide returns based on the difference between the purchase price at auction and full par value. The deeper the discount, the greater the return.
How much does a Jiko cost?
With more than 500 early access members, the Jiko beta is currently free to US residents across 48 states on iOS and Android™ devices. As Jiko evolves, we plan to offer tiered pricing for our service plans.
How do I sign up?
You can download the beta app from the App Store or the Play Store to join our waitlist. We’ll notify you by email when your Jiko is ready. Depending on your state of residence, your wait time may vary from a few days to several weeks.
The beta release is available to US residents who are 18 and older with a valid Social Security number, domestic phone number, and domestic residential address.
See all questions
Back to top
Brokerage Product provided by Jiko Securities, Inc.
No Bank Guarantee • May Lose Value • Not FDIC Insured
Jiko, owned and operated by Jiko Technologies, Inc., makes available a unique combination of financial services provided by Jiko Technologies and its affiliates, Jiko Securities, Inc., a registered broker-dealer, and Jiko Bank, a division of Mid-Central Federal Savings Bank.
US Treasury securities (“Treasuries”) are issued by the federal government and are backed by the “full faith and credit” of the US government. For more information, visit https://www.finra.org/investors/learn-to-invest/types-investments/bonds/types-of-bonds/us-treasury-securities.
Jiko Securities, Inc. “(Jiko” “us” “we”), is a member of the Financial Industry Regulatory Authority, Inc. (“FINRA”) and the Securities Investor Protection Corporation (“SIPC”), and acts as the principal carrying firm. All your securities and funds are held in an omnibus account at Apex Clearing Corporation, pursuant to US Securities and Exchange Commission Rule 15c3-3 customer protection rules. SIPC protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org.
See FINRA BrokerCheck and Jiko U.S. Treasuries Risk Disclosures
Banking services provided by Jiko Bank, a division of Mid-Central Federal Savings Bank. The Jiko Solid debit card, when available, will be issued by Jiko Bank, a division of Mid-Central Federal Savings Bank, and can be used anywhere on the Discover, Pulse, and NYCE networks.