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Use Cases

Helping businesses better serve their customers

We offer solutions for a variety of businesses through access to our integrated banking-as-a-service platform built by our bank.

Fintechs and Neobanks

Easily embed accounts that allow customers to spend with a debit card and move money as needed

Corporate Accounts

Jiko is equipped to handle unlimited deposit inflow, and welcomes corporations of all sizes to use Jiko’s money storage model

Individual Banking

Accounts can be accessed to satisfy day-to-day banking needs for individuals seeking a transparent experience

Online Merchants and Brands

Embed fiat money storage1 and on-platform movement for seamless checkout and value-store experiences


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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, Jiko U.S. Treasuries Risk Disclosures and Jiko Securities Inc. Form CRS

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.
©2022 Jiko Technologies, Inc. All Rights Reserved.

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