Where Real-Time Meets Risk-Free
24/7 USD settlement for exchanges, issuers, and market makers using regulated banking rails and a uniquely safe deposit model.
Uniquely Safe Settlement Network, Powered by T-Bills
Organic T-Bill Yield
Funds are auto-invested in government-backed T-bills, earning the “risk-free” rate, while remaining fully accessible for real-time settlement.
Reduced Counterparty Risk
No intermediaries, commingling, or balance sheet exposure ensures the safety of every dollar settled and stored on the network.
Frictionless Operations
Real-time API-first architecture integrates and scales with crypto-native operations to help eliminate cutoff windows, onboarding delays, and operational drag.
Regulated Infrastructure
JikoNet is anchored by Jiko’s nationally chartered bank and registered broker-dealer, ensuring compliant onboarding, and proper oversight of all transactions on the network.
Trusted by Leading Crypto Institutions
“We achieved high returns, low fees, and safety, and were not fearful of unexpected expenditures requiring unplanned liquidations because the funds are liquid. Their T-bill platform is easy to master, their customer service and response times are top notch, and their dashboard is well designed for statements, transactions, and trades.”
[Name] — [Title] at Coinbase
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How JikoNet Solves For Real-Time Payments Hurdles in the U.S.
Financial institutions, regulators, and current solutions like FedNow and the RTP® network are navigating challenges to provide a trusted and scalable network for treasurers handling high-volume, sensitive transactions. In the spring of 2025, we launched JikoNet, a uniquely safe 24/7 network built on a modern tech stack that bridges current RTP gaps with its T-bill deposit model and modern tech stack.
Crypto Settlement Solutions Built to Last
Today’s crypto leaders are hampered by banking rails that weren’t built for digital markets; while the crypto world moves in milliseconds, the fiat world takes days.
Addressing the digital asset industry’s core challenges
Balance sheet risk
Jiko’s unique model holds customer funds in T-bills, eliminating balance sheet or capital ratio risks
Legacy banking infrastructure
Modern technology platform with simple API integration for scalable, real time operations
Compliance requirements
All network participants are KYB’d customers at Jiko Bank, with BSA/AML requirements met on all transactions
Idle cash
Network participants earn the "risk free" rate of T-bills from the second funds arrive
Onboarding and operational friction
Quick onboarding driven by transparent requirements and white glove service
Talk to our team
Learn more about JikoNet Crypto and connect with Jiko to get the information you need to join the network.
Where T-Bill Safety Meets Crypto Speed
100% Bank
Nationally chartered bank and FINRA-registered broker-dealer
100% Tech
Real-time APIs and automated flows
100% Delevered
No lending, no balance sheet risk, no commingling of funds
Frequently asked questions
JikoNet Crypto is a real-time settlement network purpose-built for the digital asset industry. It enables 24/7 movement of U.S. dollars between participants using “Jiko Pockets,” with cash positions immediately invested in T-bills in the recipient’s name, allowing participants to benefit from the safety and security of T-bills while earning yield.
Counterparty Risk: Jiko owns and operates both a regulated national bank (Jiko Bank) and a FINRA-registered broker-dealer (Jiko Securities, Inc.), with asset custody at Bank of New York Mellon, ensuring full control and transparency across the entire stack.
Balance Sheet Risk: Clients own T-bills directly in their name. Jiko does not engage in lending or rehypothecation; client assets remain safe, liquid, and are always earning the yield of T-bills.
Compliance & Trust: JikoNet Crypto is a regulated settlement platform, purpose-built to meet the operational, regulatory, and audit needs of the crypto industry.
Settlement Speed: By operating outside of traditional correspondent banking rails, JikoNet Crypto enables near-instant movement of funds, reducing delays, settlement risk, and operational risk.
Transfers across Jiko Pockets occur in real time and are available 24/7, including weekends and holidays. Jiko Securities is a carrying broker with FINRA that operates 24/7 to buy and sell T-bills from Jiko clients. Money movement occurs on the bank’s ledger, and all resulting cash positions are immediately swept into T-bills.
Funds are transferred across Jiko Pockets, which combine a bank account and a brokerage account.
When a transaction is initiated from one Pocket to another, Jiko facilitates an instant on-us transfer by liquidating the sender's T-bills, sweeping the proceeds to the receiver’s Pocket as cash, and investing the funds in T-bills on behalf of the receiver, all in real time.
Yes. While transfers are internal to Jiko’s infrastructure, APIs and integration options allow interoperability with custodians, exchanges, and enterprise platforms.
JikoNet is open to:
Exchanges
Market makers
Custodians
OTC desks
Crypto-native platforms
All participants must pass Jiko’s onboarding, KYC/AML, and regulatory compliance checks.