jiko

About

Through groundbreaking technology, we are revolutionizing the way money is stored and moved at Jiko. By seamlessly integrating the safety and yield of US Treasury bills with the flexibility of a standard bank account, we have created a new financial infrastructure that empowers both individuals and businesses. Our platform is built on a privacy-first, cloud-native stack that eliminates the inefficiencies of legacy banking systems, allowing for real-time, 24/7 settlements and liquidity. At Jiko, we are not just a bank; we are a technology company that happens to own a bank. This unique structure enables us to offer 'spendable T-bills,' giving our clients direct access to the safety of government-backed securities without sacrificing the convenience of instant payments. From our API-first approach to our containerized ledger architecture, every aspect of our innovation is designed to bring the stability of the public sector closer to the speed of the private sector, redefining what it means to bank in the modern digital economy.