Jiko as a Service

Embedded T-Bill Operating Accounts

Build on Jiko's banking infrastructure via API integration to deliver safety, yield, and 24/7 settlement to your customers.

Prioritize safety

Ensure your customers’ cash is held in safe custody and always accessible

Scale your business

Grow your deposits and userbase quickly and without limitations

Generate revenue

Enhance your product suite and retention while adding revenue streams

Deliver organic yield

Offer your customers competitive returns without having to subsidize a dime

Own the experience

Deliver a personalized and branded experience, powered by Jiko

Rapid deployment

Launch quickly using any partnership approach

How Jiko's technology stacks up

Fintech’s reliance on a fragmented ecosystem of core vendors and bank partners has resulted in limitations and in extreme cases, operational halts. These constraints, coupled with slow integration timelines, significantly elevate the risks for innovative companies and their customers.

Jiko’s comprehensive stack and unique deposit model address the limitations of traditional banking and empower fintechs to build financial experiences that are robust and scalable.

Jiko owns and operates a national bank and registered broker-dealer, rather than partner with 3rd party institutions.

Jiko keeps customer funds in T-bills rather than at the bank, bypassing balance sheet require-ments that could limit growth.

Jiko upholds all compliance layers so partners can focus on their customer experience

>$10bn

T-bills traded for institutional clients

130k+

Accounts opened

400ms

To spend T-bills via Visa card swipe

11 days

From one partner’s sandbox access to production

Jiko Pocket 
building blocks

Integrate swiftly and effortlessly with our comprehensive API to make Jiko Pockets available for your clients in as few as 11 days.

View API documentation

Business Accounts

Personal / Retail Accounts

KYC/KYB support

Jiko as a Service

Build better with Jiko

Jiko removes the limits of traditional banking to create a new paradigm for building financial success at the scale and speed of today’s economy.

API Access

Frequently asked questions

Jiko as a Service lets platforms offer accounts powered by Jiko inside their own products and under their own brand. Customer cash in these accounts is automatically invested in U.S. Treasury bills held in the customer’s name, so it earns yield while remaining available to spend. Platforms can also offer full payment functionality, including 24/7 real-time settlement via JikoNet, through a single API. Jiko handles the compliance behind every account, including KYC/KYB verification at onboarding and ongoing AML and OFAC sanctions monitoring. Capabilities include:

Payments

  • Debit cards and Apple Pay

  • ACH transfers

  • Domestic wires

  • International wires

  • Stablecoins (USDC)

  • Instant transfers to other Jiko Pockets on JikoNet, 24/7

Accounts

  • Retail accounts

  • Business accounts

  • Multiple Pockets per customer for spending, savings, or reserves

  • Programmatic account opening and management through the API

Investment

  • Programmatic T-bill sweep

  • Multiple maturities (4, 13, 26, and 52 weeks)

  • Automated reinvestment at maturity

Jiko as a Service is built for platforms looking to offer financial products to their customers, such as consumer-facing fintech companies, e-commerce and payments platforms, and gig economy and marketplace apps. These platforms use JaaS to seamlessly roll out features like domestic and cross-border payments, debit card programs, yield-bearing accounts, and payouts, all without becoming a bank or depending on a sponsor bank program.

Programs can serve retail customers, businesses, or both. Because each customer has an individual account, the same infrastructure supports a pilot with a few thousand customers and a program with millions.