What is Jiko as a Service (JaaS)?

Jiko as a Service (JaaS) lets platforms embed Jiko accounts, payments, and yield into their own products through a single API. Each customer gets an individual account, called a Jiko Pocket, held in their own name. Cash in a Pocket is automatically invested in U.S. Treasury bills and earns yield until the moment it’s spent, while staying fully transactional, with 24/7 payments through JikoNet, debit cards, ACH, wires, and USDC.

Jiko runs the regulated infrastructure behind the API, including its national bank and registered broker-dealer, while the platform owns the brand and the customer relationship.