Safety is in Jiko’s DNA
Jiko was born out of the financial crisis. In 2008, as global trust in the banking system unraveled, Jiko’s soon-to-be team, though an ocean apart, experienced the same realization: the financial system was fragile, overly layered, and deeply entangled.
In the US, Wall Street faced the most severe liquidity issues. In Iceland, long-standing banking institutions failed overnight. These parallel experiences planted the seeds for what Jiko would become.
By 2016, Jiko’s founding team came together to build a resilient banking infrastructure from the ground up, with a core focus on securely storing and moving money. Over the course of several years, Jiko took the less-traveled path of acquiring its own national bank, becoming a registered broker-dealer, and building a unique technology platform that removes the middlemen to ensure safety and liquidity for its customers in any market environment.
But what’s in the name Jiko?
Jiko was built to return control to the individual (or the treasury team) by providing direct access to T-bills. The Name stems from two Japanese kanji:
It speaks to autonomy, control, and self-empowerment. From holding cash directly in T-bills to moving it securely and instantly, Jiko enables clients to safeguard their own future.
With the infrastructure and platform in place, Jiko has been on a mission to safeguard everyone’s cash and help move it securely, at scale. Today, Jiko is trusted by leading institutions to hold and move corporate cash, enables real-time settlement, and delivers liquidity at scale.
Because safety isn’t just a feature at Jiko, it’s the foundation.
A safer, more efficient financial system for all.
A world where money is naturally safe, yielding, and moving efficiently is a world where organizations gain the freedom to act boldly, invest wisely, and weather any storm.
Jiko’s mission is to safeguard everyone’s cash and help it move at scale.
This is achieved by eliminating intermediaries and facilitating direct exposure to the US Treasury.
Jiko Values
Client First
Jiko is relentlessly focused on its customer needs, helping solve their challenges, and above all, safeguarding their cash.
Innovation with Purpose
Keeping pace with an ever-evolving financial landscape is paramount to keeping the clients safe. That’s why Jiko fosters a culture of constant experimentation and innovation, where learning and responsible innovation are encouraged.
Simplicity as a Pillar for Safety
Do more by doing less - removing complexity, increasing transparency, and creating intuitive, high-performance solutions that just work.
Collaboration That Wins
Cross-functional teams that work together make better decisions, drive innovation faster, and develop safer solutions. Jiko empowers its teams to collaborate in trust.
Integrity Always
Jiko does not believe that this needs any explanation.
Not just another bank
Jiko’s success story is due to its unique approach and focus on safety. Clients who adopt Jiko into their cash strategies do it because they understand that the systemic balance sheet risks and layered intermediaries in today’s banking products can severely jeopardize liquidity in times of crisis. Jiko rewires banking by removing these risks, leading to what clients refer to as a refreshing and liberating experience.
Knowing that safety, yield, and liquidity are inherently built into Jiko, clients can finally focus on what matters: driving their business forward.