# Partner Onboarding ## Create your partnership in the partner portal Partner onboarding starts in the [partner portal](https://partners.jiko.io). Sign in, click **Get started**, and tell us about your company: your company name, website and partner slug, the products you plan to build with, and who your customers are. Your partner slug sets your API host. You cannot change it after setup, so choose it carefully. When you finish setup, we provision your sandbox automatically. This takes about two minutes. You can then invite your team from the portal and start building against the API right away. See [Sandbox access](#sandbox-access). ## 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, complete your **partner profile** in the partner portal. On **Home**, click **Complete your profile**. The profile asks for: - Company information, including your legal entity name, formation date, and any licenses or registrations you hold (e.g. bank, RIA, broker-dealer) - Your registered address - The services you plan to use and who your customers are (businesses, retail) - Your program: what you plan to launch, your funds flow, where your customers are, projections for launch (# accounts, assets held, monthly volumes), and when you would like to launch You can complete the sections in any order, and your answers are saved as you go. When you submit your profile, our team will review it and reach out within 2-3 business days for intro calls and to begin discussing commercial terms. The **Setup guide** in the portal shows where you are in onboarding at any time. ## 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 Due diligence starts once your partner profile is complete, and runs in parallel with your integration work. 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 Your sandbox is ready as soon as you finish setting up your partnership in the partner portal. You do not need to send us IP addresses or wait for credentials to be shared. In the portal, open **Developers → API keys & sandbox** to find your sandbox base URL, token endpoint and shared secret, and to register the public keys your developers sign with. See the [Authentication guide](/products/partner-api/guides/building/auth) to make your first call. To explore the API without writing code, click **Try requests** to open the API reference signed in to your sandbox. ## 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. ## Going live When your profile and due diligence are complete, and you have added your production IP addresses in the portal, we open production for your partnership. See [Going Live](/products/partner-api/guides/building/going-live) for the steps.