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Jiko makes Treasurys bankable

We're a new type of bank built on US Treasury bills to unlock yield, safety, and scale – for you, for your business, and for your customers.

Built safely

Jiko is a vertically integrated financial institution, combining our nationally chartered bank and registered broker-dealer to hold cash as T-bills – all in safe custody.

Built for scale

Fit for any volume, Jiko's technology removes balance-sheet constraints to support growth and scale with no limitations.

Built better

Investing. High-yield cash accounts. Wallets. 24/7 Payments. Jiko leverages our regulatory & technology stacks to ship better products.

Jiko Corporate

Jiko Corporate makes T-bill investing easy for businesses

Investing in US Treasury bills is more difficult than it should be for everyday finance and treasury teams. We make T-bills accessible through a simple and modern platform – directly, or where you're already working.

For illustrative purposes only.
Past performance is not indicative of future results.

>5% yield*

when you open an account today

Open Account

Programmatic investment

Transparent execution

Competitive
cost

On-demand liquidity

Compelling
yield

Programmatic investment

Transparent execution

Competitive
cost

On-demand liquidity

Compelling
yield

Programmatic investment

Transparent execution

Competitive
cost

On-demand liquidity

Compelling
yield

Jiko Personal

The power of Jiko in your pocket

Jiko’s personal experience makes US Treasury bills easy for investing and spending – directly or through your favorite apps.

For illustrative purposes only.
Past performance is not indicative of future results.

1% cash back

on debit card purchases**

>5% yield*

on account balances

How Jiko Works

01

Secure Beginning

Seamless onboarding and KYC meets state-of-the-art tech that puts privacy and data security first.

02

Easy Deposit

Funds are received via wires or ACH – just like any bank account.

03

T-Bill Sweep

Funds are swept and automatically invested, rolled, and managed in T-bills backed by the full faith and credit of the US Government.

04

Custodial Holding

Assets are held by Jiko’s registered broker-dealer in custody at BNY Mellon – safely away from regional bank failures and other balance-sheet risks.

05

24/7 Access

Accounts can process wires out, support bill-pay and card spending, or transfer 24/7 to other accounts on the Jiko network.
T-bills are sold accordingly, and seamlessly.

Jiko API

Build better with Jiko

Jiko removes the limits of traditional banking to create a new paradigm for building financial success at the scale and speed of today’s economy.

>$4 Billion

T-bills traded for customers in 2023

400ms

To spend T-bills via Visa card swipe

100,000+

Accounts opened seamlessly with one partner’s GA launch