# Jiko > Jiko is designed for unmatched safety, liquidity, and simplicity — combining the innovation of a technology platform with the security of a regulated bank. ## Pages - [Jiko | Where safety meets innovation](https://www.jiko.com): Jiko is designed for unmatched safety, liquidity, and simplicity — combining the innovation of a technology platform with the security of a regulated bank. - [API Access to Banking & Investment Solutions | Jiko](https://www.jiko.com/api-access): Embed Jiko Pockets directly into your platform. API access enables seamless and rapid integration for fintechs, platforms, and institutions. - [About Jiko | Building Secure Financial Infrastructure](https://www.jiko.com/about-us): Jiko delivers regulated, technology-forward financial solutions designed for scale, safety, and efficiency for clients and the economy as a whole. - [Agreements & Disclosures | Jiko](https://www.jiko.com/agreements-disclosures): Review Jiko Group, Jiko Bank, and Jiko Securities, Inc. agreements, disclosures, and policies related to Jiko's services - [Become a Partner | Jiko](https://www.jiko.com/become-a-partner): Help your clients protect corporate liquidity and generate competitive returns, while adding ancillary revenue for your business. - [Corporate Cash Confidence Survey Report](https://www.jiko.com/2025-corporate-cash-confidence-survey-report): How Treasury & Finance Leaders Are Thinking About Safeguarding Their Corporate Cash in 2025 - [Direct Access to the Safety & Yield of T-Bills | Jiko](https://www.jiko.com/direct-access): Earn the "risk-free" rate while keeping cash safe and liquid with seamless and automated access to U.S. Treasury bills. - [Institutional-Grade Runway Management for Startups | Jiko](https://www.jiko.com/startup): Build a more resilient runway through direct U.S. Treasury bill investment and built-in payment functionality, purpose-built for growth capital management. - [JikoNet Crypto | Secure Digital Asset Settlement Solutions](https://www.jiko.com/jikonet-crypto): 24/7 USD settlement for crypto institutions built on regulated banking rails and a uniquely safe, yield-generating deposit model. - [JikoNet | Always-On, Secure Settlement for Institutions](https://www.jiko.com/jikonet): JikoNet connects institutions to a regulated, always-on network for real-time money movement—removing delays, cutoffs, and friction. - [Liquidity Stress Test Checklist](https://www.jiko.com/liquidity-stress-test-checklist): This checklist is intended to help evaluate exposures and surface risks that may become visible during periods of stress. - [Modern Cash Management for Construction & Engineering Firms](https://www.jiko.com/construction): Manage operating and reserve cash with greater safety, liquidity, and efficiency by combining T-bill investment with full payment functionality. - [Modern Cash Management for Municipal Finance Teams](https://www.jiko.com/municipalities): Municipal treasurers use Jiko to modernize cash management by accessing T-bills directly with 24/7 liquidity and transparent account oversight. - [News | Jiko](https://www.jiko.com/news): Stay updated with the latest insights on industry trends, innovative banking solutions, and company news - [Our Story | Jiko](https://www.jiko.com/our-story) - [Trust and Safety | Regulated, Transparent, Secure by Design](https://www.jiko.com/trust-and-safety): Learn more about Jiko's safety-first structure and commitment to the security of your assets. - [US Treasury Bills: Automated Trading & Payment Capabilities](https://www.jiko.com/marketplace-about-jiko): Jiko combines direct, automated investment in T-bills with the payment capabilities of a traditional operating account ## Blog - [Corporate Cash Confidence in Uncertain Times Webinar Highlights](https://www.jiko.com/blog/watch-now-highlights-from-the-virtual-roundtable-discussion-among-industry-vetera): Treasury leaders discuss common cash instruments, key risks to watch for, and practical ways to evaluate safety and liquidity. Watch the highlights for the most important takeaways. - [Positioning Cash for Market Resilience and Operational Readiness | Webinar Recap](https://www.jiko.com/blog/positioning-cash-for-market-resilience-and-operational-readiness): A practical briefing on how treasury teams can strengthen their 2026 strategies to best position cash to ensure obligations can be met under any market condition. - [Regional Bank Stress Has Treasurers Rethinking Cash Safety | Jiko](https://www.jiko.com/blog/regional-bank-turmoil-in-2025-what-happened-and-what-treasurers-need-to-know): As regional banks show renewed stress, treasurers are shifting to direct T-bill ownership. Here’s why safety, liquidity, and control matter more than ever. - [Money Market Funds vs. Treasury Bills: Comparing Risks](https://www.jiko.com/blog/money-market-fund-treasury-bill-risk-comparison): How do Money Market Funds compare to T-Bills? Learn the key risks, liquidity considerations, and safety factors for corporate treasury cash management. - [How to Buy U.S. Treasury Bills: A Corporate Treasurer’s Guide | Jiko](https://www.jiko.com/blog/how-to-buy-treasury-bills): Corporate treasurers can optimize cash management by investing in Treasury bills. Compare the best buying options and find a seamless, high-yield solution. - [How Falling Interest Rates Impact T-Bills & Money Market Funds | Jiko](https://www.jiko.com/blog/how-treasury-bills-and-money-market-funds-react-to-falling-interest-rates): Treasury Bills and Money Market Funds react differently to falling interest rates. This guide breaks down what it means for liquidity management. - [Investing in Money Market Funds: Risks & Mistakes to Avoid | Jiko](https://www.jiko.com/blog/mistakes-to-avoid-when-investing-in-mmfs): Not all money market funds are the same. See the key risks, expense ratios, and liquidity concerns that investors overlook when choosing an MMF. - [How to Choose a Money Market Fund: A Guide for Treasurers | Jiko](https://www.jiko.com/blog/how-to-choose-a-money-market-fund): Not all Money Market Funds are the same. Understand fund types, fees, and risk factors to choose the right option for your corporate treasury. - [Evaluating Money Market Funds: Risks, Liquidity, Fees & More](https://www.jiko.com/blog/how-to-assess-money-market-funds): Money Market Funds (MMFs) offer liquidity but come with risks. Treasurers should analyze fund types, counterparty exposure, and management fees before investing. - [Highlights from AFP 2025: From Real-Time Payments to Resilient Cash | Jiko](https://www.jiko.com/blog/highlights-from-afp-2025): Jiko returned to AFP to share insights and hear directly from the treasury community. This blog recaps key observations and takeaways from discussions across sessions and the show floor. - [Reflections from TOKEN2049 Singapore | Jiko ](https://www.jiko.com/blog/reflections-from-token2049-singapore): The energy at TOKEN2049 underscored just how much demand there is for infrastructure that removes friction while raising the bar on safety. That’s exactly where Jiko helps the industry scale efficiently. - [How to Build a Corporate Cash Management Strategy in 2026 | Jiko](https://www.jiko.com/blog/make-every-basis-point-count-building-a-reliable-resilient-2026-cash-strategy): Treasurers face rate uncertainty and tighter budgets in 2026. See how corporate cash strategies focused on yield, tax efficiency, and liquidity can help make every basis point count. - [Basel III Endgame: Understanding the Impact on Banks & Treasurers | Jiko](https://www.jiko.com/blog/understanding-basel-iii-endgame-what-treasury-teams-need-to-know): Basel III reforms raise capital requirements and reshape deposit pricing. See how U.S. delays, industry pushback, and new rules affect banks and what treasury teams can do to stay ahead. - [How Treasurers Can Prepare for Rate Cuts | Jiko](https://www.jiko.com/blog/preparing-for-the-fed-s-next-move-why-treasurers-should-care): Stay ahead of Fed rate cuts. See how T-bills, money funds, and deposits may react, and what treasury teams can do to protect liquidity. - [Setting a New Standard for Cybersecurity in Finance | Jiko](https://www.jiko.com/blog/setting-a-new-standard-cybersecurity): Learn why legacy banking systems fall short and how Jiko builds security from the ground up. - [True Innovation in Real-Time Payments: JikoNet Explained](https://www.jiko.com/blog/jikonet-real-time-payments-us): Discover how JikoNet eliminates real-time payment risks by combining T-bill investments with modern tech for 24/7 secure, scalable money movement in the U.S. - [The Fundamentals of Treasury Bills: A Comprehensive Guide | Jiko](https://www.jiko.com/blog/fundamentals-of-treasury-bills): Investors turn to Treasury bills for safety and liquidity. This comprehensive guide covers T-bill rates, auction mechanics, tax implications, and key investment strategies. - [Real-Time Payments (RTP) in the US: 2025 Insights and Innovations | Jiko](https://www.jiko.com/blog/the-real-time-payments-race-where-the-us-stands): Stay informed on the 2025 state of real-time payments in the U.S., featuring key trends, market developments, and Jiko’s innovative payment technology. - [Why T-Bills Remain Safe Amid Market Volatility in 2025](https://www.jiko.com/blog/t-bills-safe-haven-april-2025-volatility): As equities and long-term bonds tumble, short-term T-bills hold strong. Learn why T-bills remain a stable and liquid safe haven during market turbulence. - [Treasury Bills & the Debt Ceiling: Impact on Safety & Stability | Jiko](https://www.jiko.com/blog/what-is-even-safer-than-a-t-bill-today-a-t-bill-tomorrow): As the debt ceiling approaches, treasurers face key decisions. Learn how it impacts Treasury bill safety and short-term investment strategies. - [Tax Benefits of T-Bills: What Corporate Treasurers Should Know | Jiko](https://www.jiko.com/blog/treasury-bills-tax-benefits): Corporate tax planning with Treasury bills. Learn about tax-equivalent yields and state tax exemptions for smarter cash management. - [3 Common Mistakes to Avoid When Buying Treasury Bills Through Brokers | Jiko](https://www.jiko.com/blog/the-3-mistakes-corporate-treasurers-are-making-when-buying-treasury-bills-directly-from-a-broker): Buying T-bills directly from a broker? You might be overpaying, missing returns, or wasting time. Learn how to avoid these costly mistakes today. - [How T-Bills Fit Into Corporate Treasury | Jiko](https://www.jiko.com/blog/jiko-basics-how-t-bills-fit-into-corporate-treasury): Unpack the role of T-bills in corporate treasury management, highlighting their safety, liquidity, and yield benefits, plus Jiko’s seamless investment solutions. - [Laddering Treasury Bills: Benefits, Strategies & Examples | Jiko](https://www.jiko.com/blog/the-benefits-of-laddering-t-bills): Laddering T-bills can optimize corporate cash flow, reduce interest rate risk, and ensure liquidity. Read more to understand key benefits and strategies. - [Navigating Interest Rate Cuts with Treasury Bills | Jiko](https://www.jiko.com/blog/navigating-potential-september-fed-meeting-with-t-bills-locking-in-todays-rates): Secure your investments with T-bills and lock in current rates. Benefit from fixed rates, liquidity, and low maintenance. - [Inside Warren Buffett’s $234B Bet on Treasury Bills | Jiko](https://www.jiko.com/blog/berkshire-hathaways-234-billion-bet-heres-what-treasurers-need-to-know): Warren Buffett outpaced the Fed with $234B in Treasury bills. Read more to learn how this strategy balances safety, liquidity, and tax-advantaged returns. - [How to Maximize Cash Visibility with Modern Treasury Solutions | Jiko](https://www.jiko.com/blog/how-to-effortlessly-maximize-cash-visibility-the-first-steps-to-secure-cash-storage): Enhance your corporate treasury with real-time cash visibility and secure storage strategies, leveraging advanced technology for informed decision-making. ## News - [Jiko Announces Strategic Additions to its Executive Team](https://www.jiko.com/news/jiko-announces-strategic-additions-to-executive-team): Appointments Signal Jiko's Push to Scale its T-bill-backed Banking Infrastructure Across Corporate Treasury, Embedded Finance, and Digital Currency Integrations - [Crypto Markets Don’t Sleep, Safety Shouldn’t Either | Jiko News](https://www.jiko.com/news/crypto-markets-don-t-sleep-safety-shouldn-t-either): A recent article in The Block highlights how JikoNet Crypto provides secure real-time settlement without counterparty exposure or bank delays. - [Using T-Bills to Build a Safer, 24/7, Yield-Bearing Settlement Network | Jiko](https://www.jiko.com/news/connecting-fiat-and-crypto-using-t-bills-to-build-a-safer-24-7-yield-bearing-sett): A new Coindesk feature explores how Jiko is solving the structural disconnect between fiat and digital asset systems with a T-bill-backed, 24/7 settlement network for crypto institutions. - [Kyriba Partners With Jiko To Enhance Its Marketplace With Direct Access To T-Bills | Jiko](https://www.jiko.com/news/kyriba-partners-with-jiko-to-enhance-its-marketplace-with-direct-access-to-t-bills-through-a-new-investment-application): Jiko and Kyriba announced a strategic partnership, whereby Kyriba’s customers will be able to leverage Jiko Pockets directly from Kyriba’s Liquidity Management platform. - [Investing Platform Introduces Treasury Accounts Through Partnership With Jiko | Jiko](https://www.jiko.com/news/investing-platform-public-introduces-treasury-accounts): Public.com, an investing platform with more than 3 million members, has begun rolling out Treasury accounts through a partnership with Jiko - [Jiko Hits $1 Billion T-Bills Traded Milestone & Showcases On Demand Liquidity | Jiko](https://www.jiko.com/news/amid-severe-market-volatility-jiko-announces-over-1b-in-t-bills-traded-including-a-same-day-withdrawal-of-100m): In a turbulent market where many are looking to shore up cash to remain highly liquid and yet seek to generate yield safely, Jiko hits a T-bill trading milestone and showcases same-day settlement of $100M - [Jiko Launches JikoNet](https://www.jiko.com/news/jiko-launches-jikonet): a Uniquely Safe 24/7 Network for Secure High-Volume Corporate Dollar Transactions - [Jiko CEO & Co-Founder Stephane Lintner Featured in Trade Finance Global](https://www.jiko.com/news/beyond-the-bank-account-t-bill-agents-and-the-future-of-treasury): With programmable, agent-based architecture, fragmented treasury workflows can be consolidated, automated, and simplified. - [Jiko’s Corporate Cash Confidence Survey of Treasury and Finance Professionals Highlights Confidence Gaps in Liquidity Strategies](https://www.jiko.com/news/jiko-corporate-cash-confidence-survey): Despite market shocks and rising risk awareness, most treasury teams still rely on outdated frameworks, and fewer than 1 in 3 say they’re fully confident in their current approach to protecting principal and maintaining liquidity during a financial crisis. - [Jiko CEO Stephane Litner Addresses Bank Safety | Jiko](https://www.jiko.com/news/wheres-your-money-jiko-ceo-stephane-lintner-addresses-how-banks-truly-operate-in-his-latest-op-ed): Jiko CEO Stephane Lintner reveals insights on bank safety and where your money really goes. Read his Fortune op-ed for a deep dive into banking secrets. - [Jiko Announces $29 Million Series C Round And Strengthens Board & Advisory Committee](https://www.jiko.com/news/jiko-secures-29-million-in-series-c-funding-strengthens-its-board-and-advisory-committee): Committed to powering the world’s liquidity with its unique T-bill platform, Jiko announces new additions to its corporate board and unveils the formation of its distinguished advisory committee. ## Product Insights - [Jiko | Unlocking a New Layer of Cash Visibility in Kyriba](https://www.jiko.com/product-insights/unlocking-a-new-layer-of-cash-visibility-in-kyriba): Jiko’s integration with Kyriba brings real-time insight into balances, transactions, and T-bill positions, all within the workflows that treasury teams already rely on. - [Construction Industry Client Case Study | Jiko](https://www.jiko.com/product-insights/how-a-dollar5b-construction-firm-strengthened-cash-safety-liquidity-and-operation): How a $5B Construction Firm Strengthened Cash Safety, Liquidity, and Operational Efficiency - [Optimize Corporate Cash Management with Custom Pockets & Yields | Jiko](https://www.jiko.com/product-insights/introducing-custom-pockets-real-time-yield-and-more): Experience seamless corporate treasury management with Jiko's new features: Custom Pockets, real-time yield tracking, and enhanced account management. - [Case Study: How an Illinois Treasurer Optimized Public Funds Management with Jiko Pockets](https://www.jiko.com/product-insights/case-study-how-an-illinois-treasurer-optimized-public-funds-management-with-jiko): Jiko helped Thornton Township’s treasurer eliminate counterparty risk, reduce fees, and automate T-bill investments while ensuring liquidity for school districts. Read more. - [Improving T-bill Access | Jiko](https://www.jiko.com/product-insights/t-bill-investing-made-simple-with-jiko): Streamline T-bill investing with Jiko's transparent pricing, automated reinvestments, and seamless management designed to maximize returns effortlessly. - [Best Practices for Secure Wire Transfers and Fraud Prevention | Jiko](https://www.jiko.com/product-insights/best-practices-for-safely-initiating-wire-transfers): Ensure the security of your wire transfers with these essential best practices. Safeguard against fraud and unauthorized transactions effectively. ## Whitepapers - [2025 Corporate Cash Confidence Survey Report](https://www.jiko.com/whitepaper/2025-corporate-cash-confidence-survey-report): How Finance Professionals Are Navigating Risk, Liquidity, and Safeguarding Corporate Cash - [Crisis-Proof Liquidity Whitepaper | Jiko](https://www.jiko.com/whitepaper/crisis-proof-liquidity): This paper examines the structural vulnerabilities in traditional financial instruments and presents a framework for building true liquidity resilience through direct ownership of U.S. Treasury bills (T-bills).