Investing in U.S. Treasury bills (T-bills) is often complex and inaccessible, particularly for everyday finance and treasury teams, requiring navigating traditional brokerage accounts and manual cash management. This complexity creates friction and limits access to the safety and yield of government-backed securities.

Jiko offers a platform that simplifies investing in T-bills by providing a seamless digital interface and automating cash sweeps and transactions. The platform enables users to access the safety and yield of T-bills with the transactional capabilities of a bank account. Jiko automatically sweeps cash to a FINRA-registered broker-dealer, where it is invested in T-bills of the user's designated maturity. When funds are needed, Jiko automatically sells the closest-to-maturity T-bill(s) to cover the withdrawal amount.

Automated cash sweeps between a nationally registered bank and a FINRA-registered broker-dealer for T-bill investments

Programmatic purchase and roll of T-bills at maturity to maintain continuous investment

Real-time liquidity through automated T-bill sales to cover withdrawals

Digital dashboard for managing T-bill investments

API access for secure integration with trusted platforms

Visa card integration for spending T-bills

Jiko targets both individual investors seeking a safe and liquid alternative to traditional bank accounts and institutional clients, including corporate treasury teams, looking to optimize cash management strategies.