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]
Is my Jiko a bank account or a brokerage account?
What makes your Jiko special is its innovative network design. Each Jiko has been engineered to house both a bank account and a brokerage account, and the Jiko app provides one-stop monitoring of all your Jiko activity. Without any action from you, your funds are auto-invested in T-Bills that can be sold as money is needed.
Need funds? Just initiate the release from the portfolio dashboard, and your Jiko will do the rest. Learn more about our ACH transfer limitations here.
How much does a Jiko cost?
With more than 500 early access members, the Jiko beta is currently free to US residents across 47 states on iOS and Android™ devices. As Jiko evolves, we plan to offer tiered pricing for our service plans.
Am I eligible to participate in the Jiko beta release?
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.
You can download the beta app from the App Store or the Play Store to join our waitlist.
I downloaded the app and finished signing up. When will I be able to use my Jiko?
Thanks for joining the Jiko limited beta release! At Jiko, we live our professional values of transparency and integrity. As a regulated financial institution, we’re committed to end-to-end compliance in every aspect of operations, including Jiko activation. Depending on your state of residence, your wait time may vary from a few days to several weeks. We'll keep you updated on your Jiko status by email.
How do I update my password?
To update your password, navigate to ‘My Profile’ in the Jiko app and tap ‘Update profile.’ On the “Update profile” page, select ‘Update password’ and follow the in-app prompts.
I’ve found a bug in the Jiko beta app. Who do I contact?
You can report any bugs or problems to our member service team at support@jiko.io. Please include the following:
- Your name
- Your registered email address
- Type of mobile device
- Mobile operating system (iOS or Android™)
- Bug description
- Steps to reproduce
- Screenshots of the problem (if available)
Thanks for helping to make the Jiko app an even better experience for our community!
I haven’t found a bug, but can I still help to improve Jiko?
In addition to reporting bugs in the Jiko beta app, you can sign up to join the Jikonauts, our official UX testing community. Learn more and sign up here.
I still have a few questions. Where can I find answers?
For all other inquiries, please email us at support@jiko.io, and we’ll get back to you as soon as possible. We strive to reply to all messages within two business days.
To ensure you receive our response, please whitelist the jiko.io domain in your email client’s spam filter.
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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.