Operating Accounts Powered by T-Bills
The safety and yield of US Treasury bills paired with the transactional capabilities of an operating account
Competitive Returns
Generate T-bill returns from the moment funds are deposited
Real-Time Payments
Make high-volume payments via traditional banking rails and Jiko’s 24/7 real time settlement network
Resilient Liquidity
Maintain reliable access to cash in any market environment
“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.”
Mark Sheahan — Treasurer, Thornton Township Trustees of Schools
Read moreJiko Pockets
The Ins and Outs of Jiko Pockets
Each Jiko Pocket is a combination of a bank and a brokerage account powered by an autonomous T-bill agent, giving clients the utility of an operating account with the safety, yield, and transparency of direct T-bill ownership.
Direct T-bill Investment
T-bill agents automatically sweep cash through our nationally registered bank to our FINRA-registered broker-dealer, where it is invested in T-bills on behalf of the client. All in real-time.
Government-Backed Yield
Clients earn the “risk-free” rate passively as T-bills are programmatically purchased and rolled at maturity, so they’re invested at all times.
On-Demand Payments
When clients initiate a payment or withdrawal, Jiko Agents automatically sell the closest-to-maturity T-bill(s) to cover the amount.
Protecting Corporate Cash in Highly Volatile Environments
For corporate treasurers managing significant cash positions, particularly those with deposits exceeding FDIC insurance limits or heavy reliance on money market funds, understanding how different liquidity structures perform under stress is essential. This paper examines the structural vulnerabilities in traditional financial instruments and presents a framework for building true liquidity resilience.
Frequently asked questions
Direct access means becoming a client of Jiko and managing funds through the business dashboard. From there, clients can open, fund, and transact using Jiko Pockets.
Yes. Clients can create and manage multiple Pockets directly through the platform. Each agent-driven Pocket can serve a distinct purpose, whether for payroll, vendor payments, tax reserves, capital calls, or other operational needs.
Unlike traditional banks that require manual requests and long processing times for each account opened, Jiko lets you create additional Pockets instantly. Each Pocket is fully liquid, directly invested in T-bills, and earning yield, giving you clear segmentation and control without the usual complexity.
To get started, reach out to Jiko by completing this form.
Clients get a fully transparent view of their T-bill holdings, including bank transactions, trades, confirmations, positions, and real-time portfolio values.
*Jiko Group, Inc. and its affiliates do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.
This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy.