Jiko is rethinking banking and money management, with the goal of making finance safe and rewarding for everyone. Unlike traditional banks, Jiko members enjoy the “spendable T-bills experience”: direct ownership of government-backed US Treasury Bills, with the spendable features expected from a liquid and modern product (debit card, ACH, and more). Jiko’s efficient technology allows for increased rewards and control for members, while also placing an emphasis on both the transparency and security expected from a modern money experience.