Banking solutions built for safety and scale
Jiko is a modern bank that replaces traditional deposits with US Treasury bills to unlock yield, safety, and scale
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.
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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.
when you open an account today
![](https://cdn.prod.website-files.com/65bbf117440a8d21f357c684/65d90c4e419196dafa6052b6_dor.png)
Programmatic investment
![](https://cdn.prod.website-files.com/65bbf117440a8d21f357c684/65d90c4e419196dafa6052b6_dor.png)
Transparent execution
![](https://cdn.prod.website-files.com/65bbf117440a8d21f357c684/65d90c4e419196dafa6052b6_dor.png)
Competitive
cost
![](https://cdn.prod.website-files.com/65bbf117440a8d21f357c684/65d90c4e419196dafa6052b6_dor.png)
On-demand liquidity
![](https://cdn.prod.website-files.com/65bbf117440a8d21f357c684/65d90c4e419196dafa6052b6_dor.png)
Compelling
yield
![](https://cdn.prod.website-files.com/65bbf117440a8d21f357c684/65d90c4e419196dafa6052b6_dor.png)
Programmatic investment
![](https://cdn.prod.website-files.com/65bbf117440a8d21f357c684/65d90c4e419196dafa6052b6_dor.png)
Transparent execution
![](https://cdn.prod.website-files.com/65bbf117440a8d21f357c684/65d90c4e419196dafa6052b6_dor.png)
Competitive
cost
![](https://cdn.prod.website-files.com/65bbf117440a8d21f357c684/65d90c4e419196dafa6052b6_dor.png)
On-demand liquidity
![](https://cdn.prod.website-files.com/65bbf117440a8d21f357c684/65d90c4e419196dafa6052b6_dor.png)
Compelling
yield
![](https://cdn.prod.website-files.com/65bbf117440a8d21f357c684/65d90c4e419196dafa6052b6_dor.png)
Programmatic investment
![](https://cdn.prod.website-files.com/65bbf117440a8d21f357c684/65d90c4e419196dafa6052b6_dor.png)
Transparent execution
![](https://cdn.prod.website-files.com/65bbf117440a8d21f357c684/65d90c4e419196dafa6052b6_dor.png)
Competitive
cost
![](https://cdn.prod.website-files.com/65bbf117440a8d21f357c684/65d90c4e419196dafa6052b6_dor.png)
On-demand liquidity
![](https://cdn.prod.website-files.com/65bbf117440a8d21f357c684/65d90c4e419196dafa6052b6_dor.png)
Compelling
yield
Trusted cash-management partners include
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![](https://cdn.prod.website-files.com/65bbf117440a8d21f357c684/65e806969992c9bea6edad23_mobile-1.png)
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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.
on debit card purchases**
on account balances
Fintech partners include
How Jiko Works
Secure Beginning
Seamless onboarding and KYC meets state-of-the-art tech that puts privacy and data security first.
Easy Deposit
Funds are received via wires or ACH – just like any bank account.
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.
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.
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.
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
![](https://cdn.prod.website-files.com/65bbf117440a8d21f357c684/65db13877eb940ee37248349_Frame%2035849.png)
400ms
To spend T-bills via Visa card swipe
![](https://cdn.prod.website-files.com/65bbf117440a8d21f357c684/65db1387121420dd8b1f859f_Frame%2035850.png)
100,000+
Accounts opened seamlessly with one partner’s GA launch
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