Optimize corporate cash with automated T-bill access
Jiko’s platform provides seamless and automated access to U.S. Treasury bills—allowing treasurers to earn the “risk-free” rate while keeping corporate cash safe and fully liquid.
Earn “risk-free” yield
T-bills offer competitive, tax advantaged returns*
Liquidate on-demand
Easily liquidate T-bill positions at any time with T+1 (if not same day) settlement
Prioritize safety
Corporate cash is directly invested in T-bills without exposure to bank balance sheet risks
“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 moreIntroducing Jiko Pockets
Our foundational innovation
Jiko Pockets combine the safety and yield of US government-backed T-bills with the transactional capabilities of a bank account.
Effortless T-bill investment
Jiko automatically sweeps cash through our nationally registered bank to our FINRA-registered broker-dealer, where it is invested in the T-bills of your designated maturity.
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.
Transactional
When funds need to be accessed, Jiko automatically sells the closest-to-maturity T-bill(s) to cover the amount of withdrawal. Settlement occurs T+1, if not the same day.
Teaming up with your platform of choice
Jiko partners with leading cash and treasury management providers so you can optimize for safety and yield with precision, speed, and scale.
Understanding the Risks of Money Market Funds Compared to T-Bills
Priorities 1a and 1b for treasurers managing corporate cash are safety and liquidity. While yield is a close second, the returns generated on funds are generally thought of as a value add. In evaluating where to allocate cash, treasurers must carefully weigh risks versus rewards, with Money Market Funds (MMFs) and U.S. Treasury bills (T-bills) being two of the most popular vehicles for a healthy balance. Given volatility is inevitable, ensuring safety across all economic environments is essential. Here’s a breakdown of the characteristics of both options and the risks involved in times of market stress.
