How is Jiko different from simply buying T-bills through a bank or broker?

Buying T-bills directly through traditional brokerage channels requires manually selecting individual bills, tracking maturities, and reinvesting proceeds. Liquidating a position before maturity often requires placing a trade during market hours, and cash can take time to settle before
it's usable.

With Jiko, this is fully automated end-to-end. Deposits are immediately invested in T-bills, and maturing proceeds are reinvested automatically. Clients can initiate a withdrawal or payment at any time, and Jiko’s platform automatically liquidates the nearest-maturity bills to cover the amount of the transaction.