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Add banking to your business

Our single API access makes it easier than ever to embed powerful financial services tailored to your customers.

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Launch your product in a matter of months

Single API access to launch, customize and maintain your product

Grow your business without constraints

Unlimited deposit inflow and the freedom to innovate

Transparent economics you can plan around

Competitive accounts and a subscription-based business model

Banking as a service works better when you own a national bank and a trading desk

When you’ve got direct access to the ledgers and payment rails, your processes become more efficient. That's why we removed an entire layer by integrating our technology stack directly with our bank to power operations.

Out with the old:

Outdated technology

Balance sheet constraints

Flurry of third-party vendors

When it comes to working with vendors, we believe less is more

We provide single API access with easy integration to the full set of money storage and movement services, eliminating the need for most other third-party vendors.

Access the following:

ACH network

Card payments

Ledger maintenance

A platform running on a different fuel: Treasury Bills

Our unique model keeps you and your customers’ money invested in government-backed Treasury Bills so it offers safety, creates the opportunity to earn interest, is accessible and scalable.

A powerful new approach:

Unlimited deposit inflow

Real-time liquidity

Stability with a chance of yield1

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Jiko keeps customers invested in Treasury Bills.

Securities investments:

Not FDIC Insured • No Bank Guarantee • May Lose Value

Jiko, owned and operated by Jiko Technologies, Inc., makes available a unique combination of financial services provided by Jiko Technologies, Jiko Securities, Inc., a registered broker-dealer, and Jiko Bank, a division of Mid-Central National Bank, Member FDIC.

US Treasury securities are issued by the federal government and are backed by the “full faith and credit” of the US government.
Learn more here. Past performance is not indicative of future performance.

  1. Funds are invested in Treasury Bills in $100 increments. Aggregate funds in your Jiko Brokerage Account of less than $100 will remain in that account in cash. The Jiko brokerage account, whether cash or securities, is not FDIC insured.
  2. Cashback rewards apply to qualifying purchases only. See our Exclusive Rewards Terms for more information.
  3. Profits from Treasury Bills may or may not be tax exempt at the state and local level. We do not provide tax or legal advice. Please refer to your financial advisor or tax professional for advice.
  4. Returns are calculated from November 9, 2020 to November 9, 2021. Past performance is not indicative of future returns.

Jiko Securities, Inc. is a member of the Financial Industry Regulatory Authority, Inc. (“FINRA”) and the Securities Investor Protection Corporation (“SIPC”). All your securities and funds are held in an omnibus account at Apex Clearing Corporation, pursuant to the U.S. 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 National Bank, Member FDIC. The Jiko Debit Card is issued by Jiko Bank, a division of Mid-Central National Bank, and may be used wherever Discover cards are accepted to perform the transactions and subject to any dollar amount or frequency limitations set forth in the Limitations Disclosures.

This site is designed for US residents.
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