# Pockets

Now that you've created your first Customer, you can begin creating
Pockets.

Jiko Pockets (formerly known as
[Accounts](/products/partner-api/reference/accounts)) consist of a bank
account and a brokerage account. The brokerage account has an associated T-bill
maturity (e.g. 4-week), and when funds are deposited into the Pocket, they're
immediately invested in T-bills of the configured maturity.

![Pockets Diagram](/assets/pockets_diagram.4a4bfa85139008d2ed3ac3ce1e066248361323f75d23ba5c3030df4fd0b8ab40.9c1bb791.png)

Using the [Pocket endpoints](/products/partner-api/reference/pockets), you
can flexibly create the optimal set of Pockets—with corresponding T-bill
maturities—needed to deliver the most value to your customers. Example use cases
include:

1. A consumer fintech app with both transactional (4-week T-bills) and
investment (52-week T-bills) Pockets
2. A B2B cash management platform offering separate Pockets for different
operational areas, budgets, etc.


In this guide, we'll cover getting the list of available Pocket Configurations
(T-bill maturities) and creating your first Pocket.

## Getting available Trading Strategies

Before creating the first Pocket, query the available T-bill maturities by
calling
[List Trading Strategies](/products/partner-api/reference/trading-strategies/list_trading_strategies_api_v2_trading_strategies__get):

**Example Request: List Trading Strategies**


```bash
send_jiko_request "GET" "/api/v2/trading-strategies/"
```

**Example Response: List Trading Strategies**


```json
{
  "offset": 0,
  "count": 5,
  "items": [
    {
      "id": "UST-4W",
      "description": "US T-bills, 4-week, Buy-and-hold",
      "yield_to_maturity": "0.0625",
      "discount_yield": "0.0472",
      "applicable_to": [
        "DEPOSIT",
        "REINVESTMENT"
      ]
    },
    {
      "id": "UST-13W",
      "description": "US T-bills, 13-week, Buy-and-hold",
      "yield_to_maturity": "0.0598",
      "discount_yield": "0.0484",
      "applicable_to": [
        "DEPOSIT",
        "REINVESTMENT"
      ]
    },
    {
      "id": "UST-26W",
      "description": "US T-bills, 26-week, Buy-and-hold",
      "yield_to_maturity": "0.0456",
      "discount_yield": "0.0388",
      "applicable_to": [
        "DEPOSIT",
        "REINVESTMENT"
      ]
    },
    {
      "id": "UST-52W",
      "description": "US T-bills, 52-week, Buy-and-hold",
      "yield_to_maturity": "0.0523",
      "discount_yield": "0.0411",
      "applicable_to": [
        "DEPOSIT",
        "REINVESTMENT"
      ]
    }
  ],
  "object_type": "List",
  "last_updated": "2026-02-18T08:24:46.100820Z"
}
```

## Creating the first Pocket

To create a Pocket, make a call to
[Create Pocket](/products/partner-api/reference/pockets/create_pocket_api_v2_customers__customer_id__pockets__post)
using the `customer_id` of your newly created customer, the desired Pocket
Configuration ID from the previous step, and a custom Pocket Name.

In this example, we'll create a Pocket to automate investing in 26-week T-bills:

**Example Request: Create Pocket**


```bash
customer_id="7e02ba9f-46c6-4cd6-a152-f366371976b3"
body='{
    "deposit_strategy_id": "UST-26W",
    "pocket_name": "26-week T-bills"
}'
send_jiko_request "POST" "/api/v2/customers/${customer_id}/pockets/" $body
```

Now that you've created the Pocket, you can call
[List Pockets](/products/partner-api/reference/pockets/list-pockets-v2)
or
[Get Pocket](/products/partner-api/reference/pockets/get-pocket-v2)
to view the Pocket's full details:

**Example Request: List Pockets**


```bash
customer_id="7e02ba9f-46c6-4cd6-a152-f366371976b3"
send_jiko_request "GET" "/api/v2/customers/${customer_id}/pockets/"
```

**Example Response: List Pockets**


```json
{
  "offset": 0,
  "count": 1,
  "items": [
    {
      "id": "d0e1dd1b-3e21-4cd4-9872-f71ea4967ffd",
      "pocket_name": "26-week T-bills",
      "deposit_strategy_id": "UST-26W",
      "portfolio": {
        "securities": [],
        "cash": {
          "value": 0,
          "currency": "USD",
          "formatted": "$0.00"
        },
        "all_time_earnings": {
          "value": 0,
          "currency": "USD",
          "formatted": "$0.00"
        },
        "total_value": {
          "value": 0,
          "currency": "USD",
          "formatted": "$0.00"
        }
      },
      "status": "PENDING",
      "object_type": "Pocket"
    }
  ],
  "object_type": "List"
}
```

**Note:** Pocket creation is asynchronous but should be completed within
seconds. The Pocket's `"status"` will update from `"PENDING"` to `"OPEN"`, at
which point funds can be deposited into the Pocket (see
[Portals](/products/partner-api/reference/portals) and
[ACH](/products/partner-api/reference/ach) for more).

Congratulations, you created your first Pocket! There's no limit on the number
of Pockets per maturity, so you can continue to create 26-week Pockets, create
one Pocket for each available maturity, or any other combination needed to
empower your customers to safely and easily invest in US Treasury Bills.