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 48 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 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, 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 domain in your email client’s spam filter.