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Jiko Partner API (Version: fd60d28d)

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
Languages
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

Get Customer Data

Request

Retrieve customer details for the customer given by the customer ID.

Security
HTTPBearer
Path
customer_idstring(uuid)(Customer 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/customers/{customer_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
addressobject(GeneralAddress)required
address.​street_addressstring(Street Address)<= 250 charactersrequired

Street address

address.​street_address2Street Address2 (string) or Street Address2 (null)(Street Address2)

Apartment, Suite, Box number, etc.

Any of:

Apartment, Suite, Box number, etc.

<= 250 characters
string(Street Address2)<= 250 characters
address.​citystring(City)<= 250 charactersrequired

City / Town

address.​postal_codestring(Postal Code)<= 50 charactersrequired

Postal code / ZIP code

address.​stateState (string) or State (null)(State)

State (Postal Abbreviations. Example: "AL", "NJ", "OH")

Any of:

State (Postal Abbreviations. Example: "AL", "NJ", "OH")

string(State)
address.​countrystring(Country)required

A ISO-3166 Alpha-2 country code (Abbreviated. Example: "US")

emailstring(Email)required
phone_numberstring(Phone Number)required
account_statusstring(Account Status)required
Enum"OPEN""CLOSED""FROZEN""PENDING"
typeany(Type)required
Discriminator
Value "BUSINESS"
namestring(Name)required
identification_numberobject(BusinessIdentificationNumber)required
identification_number.​identification_numberstring(Identification Number)required
identification_number.​issuing_countryIssuing Country (string) or Issuing Country (null)(Issuing Country)

A ISO-3166 Alpha-2 country code (Abbreviated. Example: "US")

Any of:

A ISO-3166 Alpha-2 country code (Abbreviated. Example: "US")

string(Issuing Country)
identification_number.​typestring(Type)required
Enum"TIN""EIN""NON_US_BUSINESS_ID"
Response
application/json
{
  "address": {
    "street_address": "2000 Allston Way",
    "city": "Berkeley",
    "postal_code": "94701",
    "state": "CA",
    "country": "USA"
  },
  "email": "jiko@example.com",
  "phone_number": "15551234567",
  "account_status": "OPEN",
  "type": "INDIVIDUAL",
  "name": {
    "first_name": "Jiko",
    "last_name": "Customer"
  },
  "date_of_birth": "1970-01-01",
  "identification_number": {
    "identification_number": "*****1234",
    "identification_type": "SSN"
  },
  "trusted_contact": {
    "first_name": "Jiko Customer",
    "last_name": "Trusted Contact",
    "email": "jiko-trusted-contact@example.com",
    "phone_number": "+15551234500",
    "address": "2000 Allston Way, Berkeley CA 94701 USA"
  }
}

Update Customer Data

Request

Updates details for a given Customer, including contact information and Trusted Contact information. This endpoint can also be used to close customer accounts with the CloseCustomerAccount request body schema. Before closing a customer's account, all customer Pockets must have a zero balance.

NOTE: Update Customer Data isn’t available by default and must be enabled — please contact your Jiko point of contact to learn more.

Security
HTTPBearer
Path
customer_idstring(uuid)(Customer Id)required
Headers
x-jiko-idempotencystring(uuid)(X-Jiko-Idempotency)required
x-jiko-signaturestring(X-Jiko-Signature)required
Bodyapplication/jsonrequired
One of:
statusany(Status)required
Value "CLOSED"
closure_reasonstring(Closure Reason)required
Enum"SUSPICIOUS_ACTIVITY""USER_INSTIGATED""PARTNER_INITIATED_CLOSURE""INACTIVITY"
closure_descriptionClosure Description (string) or Closure Description (null)(Closure Description)
Any of:
<= 200 characters
string(Closure Description)<= 200 characters
curl -i -X PATCH \
  'https://your-partner-name.partner-api.jikoservices.com/api/v1/customers/{customer_id}/' \
  -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 '{
    "email": "jiko@example.com",
    "phone_number": "15551234567",
    "address": {
      "street_address": "2000 Allston Way",
      "city": "Berkeley",
      "postal_code": "94701",
      "state": "CA",
      "country": "US"
    },
    "trusted_contact": {
      "first_name": "Jiko Customer",
      "last_name": "Trusted Contact",
      "email": "jiko-trusted-contact@example.com",
      "phone_number": "+15551234500",
      "address": "2000 Allston Way, Berkeley CA 94701 USA"
    }
  }'

Responses

Successful Response

Bodyapplication/json
addressobject(GeneralAddress)required
address.​street_addressstring(Street Address)<= 250 charactersrequired

Street address

address.​street_address2Street Address2 (string) or Street Address2 (null)(Street Address2)

Apartment, Suite, Box number, etc.

Any of:

Apartment, Suite, Box number, etc.

<= 250 characters
string(Street Address2)<= 250 characters
address.​citystring(City)<= 250 charactersrequired

City / Town

address.​postal_codestring(Postal Code)<= 50 charactersrequired

Postal code / ZIP code

address.​stateState (string) or State (null)(State)

State (Postal Abbreviations. Example: "AL", "NJ", "OH")

Any of:

State (Postal Abbreviations. Example: "AL", "NJ", "OH")

string(State)
address.​countrystring(Country)required

A ISO-3166 Alpha-2 country code (Abbreviated. Example: "US")

emailstring(Email)required
phone_numberstring(Phone Number)required
account_statusstring(Account Status)required
Enum"OPEN""CLOSED""FROZEN""PENDING"
typeany(Type)required
Discriminator
Value "BUSINESS"
namestring(Name)required
identification_numberobject(BusinessIdentificationNumber)required
identification_number.​identification_numberstring(Identification Number)required
identification_number.​issuing_countryIssuing Country (string) or Issuing Country (null)(Issuing Country)

A ISO-3166 Alpha-2 country code (Abbreviated. Example: "US")

Any of:

A ISO-3166 Alpha-2 country code (Abbreviated. Example: "US")

string(Issuing Country)
identification_number.​typestring(Type)required
Enum"TIN""EIN""NON_US_BUSINESS_ID"
Response
application/json
{
  "address": {
    "street_address": "2000 Allston Way",
    "city": "Berkeley",
    "postal_code": "94701",
    "state": "CA",
    "country": "USA"
  },
  "email": "jiko@example.com",
  "phone_number": "15551234567",
  "account_status": "OPEN",
  "type": "INDIVIDUAL",
  "name": {
    "first_name": "Jiko",
    "last_name": "Customer"
  },
  "date_of_birth": "1970-01-01",
  "identification_number": {
    "identification_number": "*****1234",
    "identification_type": "SSN"
  },
  "trusted_contact": {
    "first_name": "Jiko Customer",
    "last_name": "Trusted Contact",
    "email": "jiko-trusted-contact@example.com",
    "phone_number": "+15551234500",
    "address": "2000 Allston Way, Berkeley CA 94701 USA"
  }
}

Get Beneficial Owners

Request

Gets a list of beneficial owners for a given customer.

Security
HTTPBearer
Path
customer_idstring(uuid)(Customer 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/customers/{customer_id}/beneficial-owners/' \
  -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
itemsArray of objects(Items)required
items[].​idstring(uuid)(Id)required
items[].​nameobject(Name)required
items[].​name.​first_namestring(First Name)<= 50 charactersrequired

First Name

items[].​name.​middle_nameMiddle Name (string) or Middle Name (null)(Middle Name)

Middle Name

Any of:

Middle Name

<= 50 characters
string(Middle Name)<= 50 characters
items[].​name.​last_namestring(Last Name)<= 50 charactersrequired

Last Name

items[].​titlestring(Title)required
Response
application/json
{
  "items": [
    { … }
  ]
}

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

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

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

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