Beyond the Bank Account: T-Bill Agents and the Future of Treasury
Jiko CEO & Co-founder Stephane Lintner explores the structural frictions in corporate cash management and how autonomous T-bill agents could reshape how treasurers manage liquidity, safety, and strategy at scale.
Jul 29, 2025
Treasury professionals know the safest place for cash is often U.S. Treasury bills. Yet, as Jiko’s Corporate Cash Confidence Survey reveals, most don’t hold them directly, not by choice, but because of operational complexity. In a recent piece for Trade Finance Global, Jiko CEO and co-founder Stephane Lintner explores this paradox, the legacy constraints that stand in the way, and an innovative new solution: autonomous, T-bill-backed digital agents.
With programmable, agent-based architecture, fragmented treasury workflows can be consolidated, automated, and simplified. This eliminates the need for treasurers to manually trade, juggle wire cutoffs, and coordinate reconciliations to benefit from holding T-bills directly.
Read the full article to learn how T-bill agents could transform how companies hold and orchestrate cash in a way that is secure, strategic, and scalable.
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