# Jiko

**Canonical:** https://apis.io/providers/jiko/  
**Website:** https://jiko.com  
**APIs profiled:** 2

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.

## Kin Score — 54.2 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 54.2).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 51.6 |
| Governance | 12.5 |
| Operational Transparency | 55.3 |
| Developer Ergonomics | 62.5 |
| Commercial Clarity | 50.0 |

Regulatory layer — **Payments**: 62.5 (matched via tags).

## Agent readiness — 41.7 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (2)

- **Jiko Customer API** — 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 Privat...
- **Jiko Partner API** — 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 requi...

## MCP servers (1)

- **Jiko MCP Server (candidate)**

## Security (3)

- **Jiko Authentication** — oauth2/openIdConnect/http · 2 schemes
- **Jiko Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Jiko Trust Center** — SOC 2, PCI DSS

## Tags

Company, Banking, Payments, Treasury, Embedded Finance, Fintech, Cards, Settlement, Broker-Dealer, Banking as a Service

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/jiko/). Scores are computed from the provider's own public artifacts under a published rubric.