Wall Street and Web3 veterans unveil JikoNet Crypto- bridging fiat and digital assets through real-time, yield-bearing transactions
In a world where fiat and cryptocurrency rarely move in sync, Jiko, a modern banking and instant settlement platform, is building the bridge that connects them safely and efficiently. With its new solution, JikoNet Crypto, the company aims to simplify and secure real-time settlements between digital and traditional finance, backed by U.S. Treasury bills (T-bills).
The Fiat–Crypto Disconnect
Fiat currency has served global economies for centuries, while cryptocurrency, since 2008, has opened the door to decentralized finance. Both systems function effectively on their own, yet struggle to interact seamlessly.
For CFOs and institutional investors, moving between fiat and crypto remains slow, risky, and expensive. Legacy banking frameworks weren’t built for digital asset transactions, leading to operational friction, compliance hurdles, and liquidity strain.
Key pain points include:
- Counterparty and balance sheet risks
- High opportunity costs and lost yield
- Regulatory and compliance challenges
- Liquidity inefficiencies and operational delays
As institutional adoption of crypto accelerates, these inefficiencies will only grow, demanding a new approach to 24/7 settlement.
Jiko’s Solution: Real-Time, Risk-Free Settlement
Enter JikoNet, Jiko’s high-volume settlement network that processes U.S. dollar transactions in real time. By underpinning these transfers with ultra-short-term U.S. Treasury bills, Jiko eliminates counterparty exposure and ensures every transaction remains fully backed, liquid, and yield-bearing.
Extending this innovation into the digital assets world, JikoNet Crypto offers regulated banking rails for crypto institutions. It brings together the safety of T-bills with the agility of blockchain-driven transactions, enabling funds to move instantly and securely.
Jiko’s signature innovation, Jiko Pockets, acts as digital wallets that automatically invest idle balances in T-bills. Each transaction liquidates and reinvests funds instantly, ensuring money never sits idle or unprotected.
“What we’ve built with JikoNet is a fundamentally safer foundation for real-time money movement,” said Stephane Lintner, CEO of Jiko. “Every transaction is backed by direct ownership of U.S. Treasury bills, aligning liquidity, safety, and yield without tradeoffs.”
Bridging Traditional and Digital Finance
For institutional crypto participants, JikoNet Crypto provides what the market has long lacked: a regulated, 24/7 liquidity solution with real yield and minimal risk.
“Jiko brings together the trust of the traditional financial system with the agility of modern technology,” said Breanne Madigan, Jiko’s Head of Digital Assets. “Our leadership’s experience at Goldman Sachs and other top institutions ensures institutional rigor, while our technology delivers the speed and innovation digital markets demand.”
As integration technology advances, the cost of fiat-to-crypto transactions is expected to decline, much like how stock trading fees dropped over time. The result: higher net yields and deeper liquidity for investors.
A Maturing Financial Landscape
Jiko’s approach is not limited to crypto; it’s designed for all corporate treasury operations. The company’s Corporate Cash Confidence Survey revealed that while many businesses recognize T-bills as the safest asset class, few utilize them due to operational complexity. Jiko’s infrastructure removes that friction entirely.
For crypto teams, this presents an opportunity to leapfrog traditional finance in risk management, adopting tools that deliver both safety and efficiency.
With JikoNet Crypto, the line between fiat and digital finance is no longer a divide, it’s a connection built on trust, transparency, and technology.
