Jiko Partner API (Version: fd60d28d)
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Introduction

Welcome to the Jiko API Reference! Jiko enables you to integrate money storage and movement, backed by the safety and security of US Treasury Bills. Use the Partner API if you are building an application that embeds Jiko’s services and offers Jiko products to your own customers. The Partner API will then enable your application to interact with Jiko on behalf of your customers.

At the core of our platform is the Jiko Pocket: a pair consisting of a bank account and a brokerage account. When money is deposited into a Pocket, the funds are automatically invested in T-bills. When a payment or withdrawal is made, T-bills are immediately liquidated and used as cash. Customers can have multiple Pockets, and each Pocket is associated with a single T-bill maturity: 4-week, 13-week, 26-week or 52-week.

The API Reference covers everything you need to build a full application leveraging the Jiko platform:

Onboarding customers
Funding Pockets via ACH or Wire
Viewing and managing Pockets (including monthly statements and trade confirmations)
Making payments and transfers via ACH, Wire, On-Us (Book) Transfer or Debit Card

When you’re ready to start building, please contact us at partner.support@jiko.io to request sandbox access.

Download OpenAPI description

reference.json

reference.yaml

Servers

Production server

https://{partner}.partner-api.jikoservices.com

Sandbox server

https://{partner}.sandbox-api.jikoservices.com

Accounts

Use these endpoints to view Account information. Jiko Accounts (also known as Pockets) consist of a bank account and a brokerage account. When funds are deposited into a Pocket, they’re immediately invested in T-bills.

In the API interface, the Account object encapsulates both accounts and can be treated as a single account to deposit to or withdraw from.

Operations

Customers

Use these endpoints to view and manage personal details for a Customer.

Operations

Transactions

Use these endpoints to view Transactions of funds moving in and out of Jiko Accounts, specifically the bank account component (cash deposits and withdrawals). For viewing information regarding the brokerage account component (buying and selling of T-bills), use Trades.

Operations

Trades

Use these endpoints to view Trades, or transactions related to the buying and selling of T-bills, within the brokerage account component of Jiko Pockets.

Operations

Statements

Use these endpoints to retrieve monthly statements for bank and brokerage accounts.

Operations

Manage Cards

Use these endpoints to view and manage Card information.

Operations

Physical Cards

Use these endpoints to create, view, and manage Physical Debit Cards.

Operations

Virtual Cards

Use these endpoints to create, view, and manage Virtual Debit Cards.

Operations

Businesses

Use these endpoints to initiate, manage, and complete KYB for Businesses. When an application has status: “APPROVED”, a Customer is created for the Business. Customers can have multiple Pockets.

Operations

Individuals

Use these endpoints to initiate, manage, and complete KYC for Individuals. When an application has status: “APPROVED”, a Customer is created for the Individual. Customers can have multiple Pockets.

Operations

Events

Use these endpoints to view Events.

Operations

Health

Use these endpoints to setup automatic health checks for the Partner API.

Operations

Sandbox

Use these endpoints to initiate sandbox functionality.

Operations

Security

Use these endpoints to authenticate requests to the Jiko API.

Operations

Subscriptions

Use these endpoints to create, view, and manage Subscriptions. Subscriptions provide Partners with the ability to subscribe to Events. Once subscribed, Events will be sent to the specified URL.

Operations

Webhooks

Reports

⚠️ Experimental ⚠️ These endpoints are subject to change.

Use these endpoints to interact with Reports.

Operations

ACH

Use these endpoints to create, view, and manage ACH Transfers.

Operations

List ACH Originations

Request

List all ACH transfer originations.

Security

HTTPBearer

Path

account_idstring(uuid)(Account Id)required

Query

filter[status]Array of Filter[Status] (strings) or Filter[Status] (null)(Filter[Status])

Any of:

directionDirection (string) or Direction (null)(Direction)

Any of:

string(Direction)

Enum"DEBIT""CREDIT"

cursorstring(Cursor)

Default ""

limitinteger(Limit)> 0

Default 30

Headers

x-jiko-idempotencystring(uuid)(X-Jiko-Idempotency)required

x-jiko-signaturestring(X-Jiko-Signature)required

curl -i -X GET \
  'https://your-partner-name.partner-api.jikoservices.com/api/v1/jiko-accounts/{account_id}/ach-originating/?filter%5Bstatus%5D=PENDING&direction=DEBIT&limit=30' \
  -H 'Authorization: Bearer <YOUR_TOKEN_HERE>' \
  -H 'x-jiko-idempotency: 497f6eca-6276-4993-bfeb-53cbbbba6f08' \
  -H 'x-jiko-signature: string'

Responses

Successful Response

Bodyapplication/json

prev_pagePrev Page (string) or Prev Page (null)(Prev Page)

Any of:

string(Prev Page)

next_pageNext Page (string) or Next Page (null)(Next Page)

Any of:

string(Next Page)

itemsArray of objects(Items)required

items[].counterparty_idstring(uuid)(Counterparty Id)required

items[].directionstring(Direction)required

Enum"DEBIT""CREDIT"

items[].sec_codestring(Sec Code)required

Enum"CCD""PPD""WEB"

items[].payment_related_informationArray of strings(Payment Related Information)required

items[].idstring(uuid)(Id)required

items[].amountobject(Amount)required

items[].amount.valueinteger(Value)required

USD values are always in cents.

items[].amount.currencystring(Currency)required

items[].amount.formattedstring(Formatted)

Default ""

items[].jiko_account_idstring(uuid)(Jiko Account Id)required

items[].statusstring(Status)required

Enum"PENDING""FAILED""REJECTED""PROCESSED""APPROVED""IN_TRANSIT""CANCELLED"

items[].time_createdstring(date-time)(Time Created)required

items[].company_entry_descriptionstring(Company Entry Description)required

items[].object_typestring(Object Type)read-onlyrequired

object_typestring(Object Type)

Default "CursorList"

Response

application/json

{
  "prev_page": "cj0xJnA9MjAyMi0xMi0yMSsxNyUzQTIyJTNBMDguNjc5MzQ5JTJCMDAlM0EwMA==",
  "next_page": "cD0yMDIyLTEyLTE5KzE5JTNBNTQlM0EyNy4xODMyNzglMkIwMCUzQTAw",
  "items": [
    { … }
  ],
  "object_type": "CursorList"
}

Create ACH Origination

Request

Originate an ACH transaction with the counterparty. This can only be done after creating a Counterparty for the account.

ACH Origination Limitations

All transfers that are below 25k and scheduled before 12:00 ET are sent with settlement same-day
All transfers above 25k scheduled before 12:00 ET are sent with settlement next day
All transfers scheduled after 12:00 ET follow the above rules the following day

Security

HTTPBearer

Path

account_idstring(uuid)(Account Id)required

Headers

x-jiko-idempotencystring(uuid)(X-Jiko-Idempotency)required

x-jiko-signaturestring(X-Jiko-Signature)required

Bodyapplication/jsonrequired

counterparty_idstring(uuid)(Counterparty Id)required

directionstring(Direction)required

Enum"DEBIT""CREDIT"

sec_codestring(Sec Code)

Default "WEB"

Enum"CCD""WEB"

payment_related_informationArray of strings(Payment Related Information)

amount_usdcinteger(Amount Usdc)required

company_entry_descriptionCompany Entry Description (string) or Company Entry Description (null)(Company Entry Description)

Short description of the purpose of the entry (Maximum of 10 characters). Required for sec_code "CCD" and "PPD". For sec_code "WEB" the default value for DEBIT is "Funding TX" and "Release TX" for CREDIT.

Any of:

string(Company Entry Description)^[ a-zA-Z0-9]{1,10}$

curl -i -X POST \
  'https://your-partner-name.partner-api.jikoservices.com/api/v1/jiko-accounts/{account_id}/ach-originating/' \
  -H 'Authorization: Bearer <YOUR_TOKEN_HERE>' \
  -H 'Content-Type: application/json' \
  -H 'x-jiko-idempotency: 497f6eca-6276-4993-bfeb-53cbbbba6f08' \
  -H 'x-jiko-signature: string' \
  -d '{
    "counterparty_id": "fd38dae9-b300-4017-a630-101c4279eafd",
    "direction": "CREDIT",
    "sec_code": "WEB",
    "payment_related_information": [
      "Transferring funds from Jiko to an external account"
    ],
    "amount_usdc": 100000,
    "company_entry_description": "ACH TXN"
  }'

Responses

Successful Response

Bodyapplication/json

counterparty_idstring(uuid)(Counterparty Id)required

directionstring(Direction)required

Enum"DEBIT""CREDIT"

sec_codestring(Sec Code)required

Enum"CCD""PPD""WEB"

payment_related_informationArray of strings(Payment Related Information)required

idstring(uuid)(Id)required

amountobject(Amount)required

amount.valueinteger(Value)required

USD values are always in cents.

amount.currencystring(Currency)required

amount.formattedstring(Formatted)

Default ""

jiko_account_idstring(uuid)(Jiko Account Id)required

statusstring(Status)required

Enum"PENDING""FAILED""REJECTED""PROCESSED""APPROVED""IN_TRANSIT""CANCELLED"

time_createdstring(date-time)(Time Created)required

company_entry_descriptionstring(Company Entry Description)required

object_typestring(Object Type)read-onlyrequired

Response

application/json

{
  "counterparty_id": "fd38dae9-b300-4017-a630-101c42791afd",
  "direction": "CREDIT",
  "sec_code": "WEB",
  "payment_related_information": [
    "Transferring funds from Jiko to an external account"
  ],
  "id": "497f6eca-6276-4993-bfeb-53cbbbba6f08",
  "amount": {
    "value": 100000,
    "currency": "USD",
    "formatted": "$1,000.00"
  },
  "jiko_account_id": "8a7ec6c0-2701-40a1-8954-68870964b50d",
  "status": "PROCESSED",
  "time_created": "2023-01-01T14:00:00Z",
  "company_entry_description": "ACH TXN",
  "object_type": "ACHResponse"
}

Get ACH Origination

Request

Get a specific ACH transfer origination.

Security

HTTPBearer

Path

account_idstring(uuid)(Account Id)required

transfer_idstring(uuid)(Transfer Id)required

Headers

x-jiko-idempotencystring(uuid)(X-Jiko-Idempotency)required

x-jiko-signaturestring(X-Jiko-Signature)required

curl -i -X GET \
  'https://your-partner-name.partner-api.jikoservices.com/api/v1/jiko-accounts/{account_id}/ach-originating/{transfer_id}/' \
  -H 'Authorization: Bearer <YOUR_TOKEN_HERE>' \
  -H 'x-jiko-idempotency: 497f6eca-6276-4993-bfeb-53cbbbba6f08' \
  -H 'x-jiko-signature: string'

Responses

Successful Response

Bodyapplication/json

counterparty_idstring(uuid)(Counterparty Id)required

directionstring(Direction)required

Enum"DEBIT""CREDIT"

sec_codestring(Sec Code)required

Enum"CCD""PPD""WEB"

payment_related_informationArray of strings(Payment Related Information)required

idstring(uuid)(Id)required

amountobject(Amount)required

amount.valueinteger(Value)required

USD values are always in cents.

amount.currencystring(Currency)required

amount.formattedstring(Formatted)

Default ""

jiko_account_idstring(uuid)(Jiko Account Id)required

statusstring(Status)required

Enum"PENDING""FAILED""REJECTED""PROCESSED""APPROVED""IN_TRANSIT""CANCELLED"

time_createdstring(date-time)(Time Created)required

company_entry_descriptionstring(Company Entry Description)required

object_typestring(Object Type)read-onlyrequired

Response

application/json

{
  "counterparty_id": "fd38dae9-b300-4017-a630-101c42791afd",
  "direction": "CREDIT",
  "sec_code": "WEB",
  "payment_related_information": [
    "Transferring funds from Jiko to an external account"
  ],
  "id": "497f6eca-6276-4993-bfeb-53cbbbba6f08",
  "amount": {
    "value": 100000,
    "currency": "USD",
    "formatted": "$1,000.00"
  },
  "jiko_account_id": "8a7ec6c0-2701-40a1-8954-68870964b50d",
  "status": "PROCESSED",
  "time_created": "2023-01-01T14:00:00Z",
  "company_entry_description": "ACH TXN",
  "object_type": "ACHResponse"
}

Counterparties

Use these endpoints to view Counterparties. Counterparties represent external accounts when moving funds in or out of a Jiko Account. Jiko will only transfer funds between accounts where the Counterparty has status: “VERIFIED”, meaning ownership of the account has been confirmed.

Operations

On-Us Transfers

Use these endpoints to create and view On-Us (Book) Transfers between Jiko accounts.

Operations

Portals

Use these endpoints to create and view Portals. Portals allow third-party financial institutions to initiate ACH and wire transfers. A Portal consists of a routing and an account number. Multiple Portals can be created for a single Pocket.

Operations

Wires

Use this endpoint to initiate Wire Transfers.

Operations

Pockets

Operations

Trading Strategies

Operations

Transactions V2

Operations

Health

Use these endpoints to setup automatic health checks for the Partner API.

Operations

Counterparties V2

Operations

Jiko Partner API (Version: fd60d28d)CopyCopy for LLMCopy page as Markdown for LLMsView as MarkdownOpen this page as MarkdownOpen in ChatGPTGet insights from ChatGPTOpen in ClaudeGet insights from ClaudeConnect to CursorInstall MCP server on CursorConnect to VS CodeInstall MCP server on VS Code

Introduction

Accounts

Customers

Transactions

Trades

Statements

Manage Cards

Physical Cards

Virtual Cards

Businesses

Individuals

Events

Health

Sandbox

Security

Subscriptions

Webhooks

Reports

ACH

List ACH Originations

RequestExpand all

Responses

Was this helpful?

Create ACH Origination

RequestExpand all

ACH Origination Limitations

Responses

Was this helpful?

Get ACH Origination

Request

Responses

Was this helpful?

Counterparties

On-Us Transfers

Portals

Wires

Pockets

Trading Strategies

Transactions V2

Health

Counterparties V2

Request

Request