What is a Jiko Pocket?

Jiko Pockets are T-bill-backed operating accounts designed for enterprise liquidity. Each Pocket combines a bank account at Jiko Bank and a brokerage account at Jiko Securities, Inc. This architecture enables seamless payment functionality via standard payment rails, while programmatically investing balances into U.S. Treasury bills on behalf of clients.

Behind the scenes, Jiko automatically manages investment in T-bills upon arrival, reinvestment at maturity, and liquidation as soon as a transaction is initiated. Clients access the safety and yield of U.S. Treasury bills without sacrificing liquidity. Because funds are held in Treasury bills directly, there is no exposure to bank counterparty risk or fund commingling. 

Within Jiko’s platform, clients can configure multiple Pockets to isolate specific operating reserves, payroll lines, or project funds while maintaining central visibility and administrative control in one consolidated system.

You can learn more about the differences between JikoStore and JikoPay pockets here.