# Partner Onboarding

## Preparation: Business Customer Onboarding

Before kicking off partner onboarding, we require prospective Partners to first
onboard as a Jiko business customer. This process typically takes 3 business
days and will grant you full access to the Jiko platform: T-bill money storage,
money movement, and our web dashboard. Onboarding as a business customer
accelerates the timeline of onboarding as an API Partner and does not require
any minimum funding amounts. Additionally, if you wish to utilize a Jiko
facilitation account for customer funds flow, opening a business account is
required. While the full list of application requirements varies by company,
most business customers will be expected to provide Articles of Incorporation.
Additional documentation such as Company Bylaws may be required depending on the
nature and profile of your company.

## Partner Onboarding Kick-off

After becoming a business customer, we estimate onboarding as a Jiko API Partner
will take 4-6 weeks with consistent engagement from both sides. To get started,
we'll ask Partners to provide the following high-level information, and our
Business Development team will reach out for intro calls and begin discussing
commercial terms.

- Company name
- Business model
- Customer base (B2B, B2C)
- Nature of relationship (integration, referral only)
- Regulatory licenses/certifications (e.g. bank, RIA, broker-dealer) as well as
the bodies by which you are regulated
- Projections for launch (# accounts, average account balance, etc.)


## Joint Product Demos

After intro calls, we'll kick off operational tasks starting with joint product
demos. Product demos allow both teams to learn more about each other's products
and services and align on how Jiko can help your company achieve its goals. At a
high level, we're looking for:

- How customers use your product,
- How customers are onboarded,
- How you envision Jiko to be integrated with or embedded into your product, and
- Important information such as acknowledgments and disclosures. While live
demos are preferred, recorded demos are also acceptable provided they cover
these topics.


## Due Diligence

We'll prepare a due diligence package outlining the full set of information and
documentation required to onboard as a partner. If you've already completed
onboarding as a business customer, much of this list will have already been
completed. We'll ask you to provide documents in the following business areas:

- Corporate Governance
- Financial Review
- Risk and Regulatory Compliance
- BSA/AML
- Vendor Management
- Information Security & IT


## Customer Onboarding Options

### Pass-Through Onboarding

We believe the best experience for your customers is pass-through onboarding,
where customers go through your KYC onboarding process and automatically become
Jiko customers without redundant steps on our side. As a chartered bank and
licensed broker-dealer, Jiko has strict criteria for pass-through onboarding. If
you're a regulated Financial Institution governed by BSA rules, we may be able
to certify your KYC/AML procedures. To make this determination, we'll need
copies of your KYC/AML policies and procedures, including:

- Customer PII collected during KYC/onboarding
- KYC/BSA verifications
- OFAC and Financial Crimes Screening
- Fraud mitigation measures
- AML monitoring policy and processes
- Any vendors you work with
- Additional checks for other customer actions, e.g. bank account linking, ACH
transfers/wires, etc.


### Jiko Customer Onboarding

If you don't meet our requirements for pass-through onboarding, customers will
onboard using Jiko's KYC criteria. We'll work together to create a streamlined
experience for your customers, including the option for the onboarding
experience to be curated by you (so long as the required customer data is passed
through the API and Jiko owns the diligence and decisioning). Jiko's B2C data
requirements for onboarding are published in our
[API docs](/products/partner-api/reference/individuals), which you can use
to identify and address any data gaps between our onboarding process.

## Sandbox access

We'll grant sandbox access for your developers to begin implementing our APIs.
Once you provide the IP addresses to add to our allowlist, sandbox credentials
will be shared via a secure link.

## Contracts

After we complete our joint due diligence and understand the full scope of
implementation, we'll begin contracting and integration. We'll send you our MSA,
which includes a set of standard commercial terms that should cover the majority
of partner use cases.