Modern Cash Infrastructure for Construction and Engineering Firms
Manage operating and reserve cash with greater safety, liquidity, and efficiency by combining T-bill investment with full payment functionality.
Why Construction and Engineering Firms Choose Jiko
General contractors and engineering firms face uneven cash flows, large balances, and strict payment timing. Jiko provides innovative operating accounts that keep cash generating returns, liquid, and protected throughout the project lifecycle.
Reduce idle cash between subcontractor and supplier payments
Maintain payment certainty across projects and payees
Limit exposure to bank balance sheets and commingled structures
Case Study: How a $5B Construction Firm Strengthened Cash Safety, Liquidity, and Operational Efficiency
Learn how a large U.S. general contractor streamlined operating and reserve cash management, reduced counterparty risk and operational burdens, and optimized returns on idle cash with Jiko’s uniquely safe T-bill operating accounts.
Built for Construction Cash Flows
Off-Balance-Sheet Liquidity
Cash is invested directly in U.S. Treasury bills, not exposed to the liquidity risks of a traditional bank, while remaining fully operational for payments.
Built for Payment-Driven Businesses
Funds remain available for payroll, subcontractor payments, and supplier settlements through ACH, wire, and JikoNet transfers.
Organize Cash by Purpose
Create multiple Pockets to segment funds for payroll, subcontractors, retainage, or reserves, each earning yield and remaining liquid.
Generate Yield Without Manual Trading
Idle balances earn the "risk-free" rate through automated T-bill investment and reinvestment without manual sweeps or trading.
Crisis-Proof Liquidity: Protecting Corporate Cash In Highly Volatile Environments
Jiko was built to reduce dependency on leveraged and commingled structures that can restrict access during market stress. Because client funds are invested in Treasury bills rather than at a traditional bank, liquidity remains insulated from leverage-based liquidity risk while preserving full payment functionality.
Real-Time Settlement with Payees
Settle instantly with subcontractors and suppliers on JikoNet
JikoNet enables real-time, on-us settlement by converting T-bills to cash, transferring funds instantly, and reinvesting on behalf of the recipient. Payments run continuously, without dependence on bank wire rooms or operating hours.
- Real-time settlement
- Earn yield until the moment payments settle
- Payees begin earning yield immediately
- Reduce settlement risk at external institutions
