Jiko

aid: jiko
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/jiko.png
name: Jiko
description: Jiko is a fintech infrastructure company that turns idle cash into US Treasury bills held in the customer's own
  name, combining a nationally chartered bank, a registered broker-dealer, and a real-time settlement network (JikoNet) behind
  a single API. Its "Jiko as a Service" platform lets partners embed T-bill-backed accounts, virtual and physical debit cards,
  pockets (paired bank + brokerage accounts), and multi-rail money movement (ACH, wire, SWIFT, cards, and 24/7 on-us JikoNet
  transfers) into their own applications. Jiko exposes two OAuth 2.0 / HMAC-secured REST APIs — a Customer API for direct
  integrators and a Partner API for embedding Jiko products on behalf of end customers.
url: https://raw.githubusercontent.com/api-evangelist/jiko/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: enriched
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Banking
- Payments
- Treasury
- Embedded Finance
- Fintech
- Cards
- Settlement
- Broker-Dealer
- Banking as a Service
apis:
- aid: jiko:jiko-customer-api
  name: Jiko Customer API
  humanURL: https://docs.jiko.io/products/customer-api
  baseURL: https://api.sandbox-api.jikoservices.com/api/v1
  description: The Customer API is for Jiko customers integrating Jiko directly into their own internal systems. It uses OAuth
    2.0 (authorization code and client credentials flows) with Private Key JWT client authentication, PKCE (required) and
    DPoP (optional), and covers pockets, portals, transfers (JikoNet, wires, SWIFT, ACH), counterparties, trades and trading
    strategies, transactions, reports, teams, subscriptions/webhooks, and customer management.
  tags:
  - Banking
  - Treasury
  - Payments
  - Transfers
  - OAuth
  properties:
  - type: Documentation
    url: https://docs.jiko.io/products/customer-api
  - type: APIReference
    url: https://docs.jiko.io/products/customer-api
  - type: GettingStarted
    url: https://docs.jiko.io/products/customer-api/guides/oauth/getting-started
  - type: Authentication
    url: authentication/jiko-authentication.yml
  - type: OAuthScopes
    url: scopes/jiko-scopes.yml
  - type: Webhooks
    url: asyncapi/jiko-webhooks.yml
  - type: ChangeLog
    url: https://docs.jiko.io/products/customer-api/changelog
- aid: jiko:jiko-partner-api
  name: Jiko Partner API
  humanURL: https://docs.jiko.io/products/partner-api
  baseURL: https://api.sandbox-api.jikoservices.com/api/v1
  description: The Partner API is for applications that embed Jiko's services and offer Jiko products to their own customers.
    It authenticates with a bearer token obtained via Login, and requires an x-jiko-idempotency header plus an HMAC-SHA256
    x-jiko-signature request signature and IP allowlisting. It covers partner-tenant onboarding (KYC/KYB), customers, pockets,
    portals, cards (physical and virtual), ACH originations, wires, JikoNet transfers, and event subscriptions/webhooks.
  tags:
  - Banking
  - Embedded Finance
  - Cards
  - Onboarding
  - Webhooks
  properties:
  - type: Documentation
    url: https://docs.jiko.io/products/partner-api
  - type: APIReference
    url: https://docs.jiko.io/products/partner-api
  - type: Authentication
    url: authentication/jiko-authentication.yml
  - type: Webhooks
    url: asyncapi/jiko-webhooks.yml
  - type: ChangeLog
    url: https://docs.jiko.io/products/partner-api/changelog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://jiko.com
- type: DeveloperPortal
  url: https://docs.jiko.io
- type: Documentation
  url: https://docs.jiko.io
- type: APIReference
  url: https://docs.jiko.io/products/customer-api
- type: GettingStarted
  url: https://docs.jiko.io/products/customer-api/guides/oauth/getting-started
- type: Blog
  url: https://jiko.com/blog
- type: Support
  url: https://jiko.com
- type: SignUp
  url: https://authentication-portal.sandbox-api.jikoservices.com/sign-up
- type: Portal
  url: https://business.jiko.io
- type: TermsOfService
  url: https://jiko.com/agreements-disclosures
- type: PrivacyPolicy
  url: https://jiko.com/privacy-policy
- type: TrustCenter
  url: https://jiko.com/trust-and-safety
- type: Compliance
  url: https://jiko.com/trust-and-safety
- type: Authentication
  url: authentication/jiko-authentication.yml
- type: OAuthScopes
  url: scopes/jiko-scopes.yml
- type: Conventions
  url: conventions/jiko-conventions.yml
- type: Idempotency
  url: conventions/jiko-conventions.yml
- type: RateLimits
  url: rate-limits/jiko-rate-limits.yml
- type: ChangeLog
  url: changelog/jiko-changelog.yml
- type: Sandbox
  url: sandbox/jiko-sandbox.yml
- type: Lifecycle
  url: lifecycle/jiko-lifecycle.yml
- type: Webhooks
  url: asyncapi/jiko-webhooks.yml
- type: WellKnown
  url: well-known/jiko-well-known.yml
- type: MCPServer
  url: mcp/jiko-mcp.yml
  name: Jiko MCP Server (candidate)
- type: LLMsTxt
  url: llms/jiko-llms.txt
- type: Conformance
  url: conformance/jiko-conformance.yml
- type: TrustCenter
  url: security/jiko-trust-center.yml
- type: DomainSecurity
  url: security/jiko-domain-security.yml
- type: DataModel
  url: data-model/jiko-data-model.yml
- type: AgentSkill
  url: skills/_index.yml
  name: Jiko Agent Skills
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence