All questions

What does Jiko as a Service allow platforms and financial institutions to offer their customers?

Jiko as a Service lets platforms offer accounts powered by Jiko inside their own products and under their own brand. Customer cash in these accounts is automatically invested in U.S. Treasury bills held in the customer’s name, so it earns yield while remaining available to spend. Platforms can also offer full payment functionality, including 24/7 real-time settlement via JikoNet, through a single API. Jiko handles the compliance behind every account, including KYC/KYB verification at onboarding and ongoing AML and OFAC sanctions monitoring. Capabilities include:

Payments

  • Debit cards and Apple Pay

  • ACH transfers

  • Domestic wires

  • International wires

  • Stablecoins (USDC)

  • Instant transfers to other Jiko Pockets on JikoNet, 24/7

Accounts

  • Retail accounts

  • Business accounts

  • Multiple Pockets per customer for spending, savings, or reserves

  • Programmatic account opening and management through the API

Investment

  • Programmatic T-bill sweep

  • Multiple maturities (4, 13, 26, and 52 weeks)

  • Automated reinvestment at maturity