How is Jiko different from a traditional bank?
Jiko is a nationally regulated bank, but operates a de-levered, alternative deposit model that keeps clients free from balance sheet risks while maintaining the same functionality as a traditional bank account. Rather than lending out deposits or holding them on the balance sheet, Jiko provides direct ownership of U.S.
Jiko is a nationally regulated bank, but operates a de-levered, alternative deposit model that keeps clients free from balance sheet risks while maintaining the same functionality as a traditional bank account. Rather than lending out deposits or holding them on the balance sheet, Jiko provides direct ownership of U.S. Treasury bills, giving clients an optimal combination of safety, yield, and liquidity without exposure to unnecessary counterparty risk.
Jiko’s banking infrastructure was built from the ground up, giving Jiko the ability to operate with modern agility and a privacy-first approach. The result is a platform that replaces legacy complexity with a transparent, secure, and programmatic way to store and move cash.
At its core, Jiko replaces outdated infrastructure with a safer, more direct approach designed to meet the needs of modern treasury teams.