## 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.
</br>
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.
</br>
The API Reference covers everything you need to build a full application leveraging the Jiko platform:
</br>
- 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

</br>
When you’re ready to start building, please contact us at [partner.support@jiko.io](mailto:partner.support@jiko.io) to request sandbox access.