Jiko is a federally regulated bank and broker-dealer powered by proprietary technology that invests deposits directly in US Treasury bills. Jiko is de-levered for systematic safety and scale, meaning it does not provide any other banking or brokerage services such as underwriting or proprietary trading.

Yes. In 2020, Jiko became one of the first fintech companies to obtain the approvals required to purchase its own national bank.

Jiko’s primary revenue stream comes from a fee charged on assets under management.

Jiko Personal

As of November 1st, 2024, Jiko will charge an account maintenance fee on balances, debited monthly.

Jiko Corporate

Jiko Corporate fees run as low as 1bp per month on assets held at Jiko.

Jiko API

Contact our sales team to learn more about our competitive pricing for the Jiko API.

• To report a bug, ask a question, or provide technical feedback for Jiko Personal, please email support@jiko.io.

• Jiko Corporate clients can email account.support@jiko.io for support or information.

• Jiko API clients can reach our partner support team by emailing partner.support@jiko.io

• To report a concern or issue regarding ethics and compliance, please email us at compliance@jiko.io.

• Please email all security-related issues to security@jiko.io.

Jiko was founded by a team of ex-bankers and engineers who experienced the 2008 financial crisis first-hand. While on the trading floor of Goldman Sachs, our founder imagined a pure system free from the risks of traditional banking, where people and businesses could hold their cash in the source of democratic money – US Treasury bills – but utilize it just like any other checking account. 

In 2016, Jiko was founded to achieve just that. It took several years to raise the necessary capital, acquire our national bank charter, and establish the registered broker-dealer and custodian relationship with BNY Mellon.

After establishing the regulatory foundation, we got to work creating a powerhouse API that turns our unique vertically integrated financial institution into a magical building block of safer and more universal and efficient banking at scale.