How does Jiko make T-bills transactional?

When funds are deposited into a Jiko Pocket, Jiko’s platform programmatically invests them directly in T-bills, in real time. Cash is swept through the client’s bank account at Jiko Bank into their brokerage account at Jiko Securities (Jiko’s registered broker-dealer), and is directly invested in T-bills in the client’s name. This happens instantly upon deposit, giving clients seamless access to the safety and yield of direct T-bill ownership.

When an outgoing disbursement (Wire, ACH, or JikoNet transfer) is requested, Jiko’s platform automatically liquidates enough of the client’s nearest-maturity T-bill(s) to fulfill the transaction, while the remaining balance continues earning Treasury yield uninterrupted.