Jiko’s Corporate Cash Confidence Survey of Treasury and Finance Professionals Highlights Confidence Gaps in Liquidity Strategies

Jiko, the technology firm and regulated bank that provides seamless, instant, and secure access to U.S. Treasury bills to modern treasurers through its T-bill agent-driven architecture, today released the findings from its inaugural Corporate Cash Confidence survey of nearly 200 U.S.-based treasury and finance professionals. The results revealed a surprising disconnect between perceived and actual safety: while the majority of respondents still rely on banks and money market funds (MMFs) to safeguard cash, only 27% expressed full confidence in their current approach to protecting principal and maintaining liquidity in the event of a financial crisis¹.

Other key takeaways include:

• The majority of respondents are unsure of counterparties and underlying securities in the money market funds they utilize.
  • Only 16%² of the respondents regularly review detailed holdings and monitor counterparties
  • 39%³ of respondents rely on the fund manager’s investment policy and/or simply review summary breakdowns but don’t closely monitor counterparties
• When comparing Treasury MMFs and T-bills, there is a widespread perception that buying and managing T-bills is more cumbersome as only 5%⁴ of survey respondents describe the experience as less complex.
• Treasury teams want better — and safer — alternatives. A meaningful portion of respondents indicated that direct access to T-bills could represent a step toward greater cash confidence.
  • 66%⁵ of respondents would feel safer using a solution that provided direct ownership of T-bills, held in their name, with no layers of counterparty or redemption risk.

“Our Corporate Cash Confidence survey underscores how many treasurers have yet to fully reassess their safety frameworks following the 2023 market disruptions, and many lack full visibility into the instruments they rely on,” shared Stephane Lintner, Jiko Co-Founder and CEO. “While most know that they should hold T-bills directly, like Warren Buffett, most lack the tools to do so efficiently. That is why we are seeing a strong demand for our platform, with its T-bill agent architecture, where our corporate clients can operate pockets of cash of any size, and even process payments against those, with full confidence that the agents behind the pockets keep the cash fully invested at all times in ultra short-term U.S. Treasuries.”

The survey was conducted across major treasury conferences between April 28 and June 2, 2025, capturing insights from 190 corporate treasury and finance leaders across the U.S.

Following the release of the survey results, Jiko will bring together a panel of seasoned treasury and finance professionals to discuss the results of the survey and reflect on lessons learned from managing cash through past economic cycles — including the 2008 financial crisis — and share practical guidance for evaluating today’s most common cash management instruments. The webinar, taking place on June 18th, will feature Chris Murray, Head of Liquidity at Jiko, Sean Healy, Head of Product Sales for Fund Connect, and Scott Richland, Former CIO of Caltech. Registration to attend is open, and full session attendees will receive up to 1.2 CTP/CCM recertification credits by the Association for Financial Professionals.

To access the full report, visit link.

About Jiko

In an era of financial uncertainty, safeguarding corporate cash is more critical than ever. Jiko is designed for unmatched safety, liquidity, and simplicity. Combining the innovation of a technology platform with the structure of a regulated bank and brokerage at its core, Jiko provides seamless, instant, and secure access to U.S. Treasury bills to modern treasurers through its T-bill agent-driven architecture, enabling direct, real-time ownership of U.S. Treasury bills. With Jiko Pockets, organizations gain the transactional ease of a bank account while keeping funds fully and automatically invested in T-bills. JikoNet enables 24/7, secure fund transfers across counterparties and industries. Clients can access it all through Jiko’s intuitive platform, secure APIs, or integrations with leading Treasury Management Systems.

The data and insights presented in this report are based on self-reported responses collected through Jiko’s 2025 Corporate Cash Confidence Survey. The survey captured input from 190 treasury and finance professionals between April 28 and June 2, 2025. Results are intended to reflect the views of respondents and should not be interpreted as representative of the entire corporate treasury or financial services industry. This report is for informational purposes only and does not constitute investment, legal, or financial advice.

1. The percentage reflects the number of respondents (27.37%) who selected “Very confident” in response to being asked, “How confident are you in your current approach to safeguarding corporate cash during a financial crisis?”
2. The percentage reflects the number of respondents (15.79%) who selected “Very familiar — we regularly review detailed holdings and monitor counterparties” when asked, “How familiar are you with the composition and counterparties of your money market funds (e.g., repo agreements)?”
3. The percentage reflects the number of respondents (38.95%) who selected either “Not very familiar — we rely on the fund manager’s investment policy and do not monitor counterparties” or “Somewhat familiar — we review summary breakdowns but don’t closely monitor them” when asked, “How familiar are you with the composition and counterparties of your money market funds (e.g., repo agreements)?”
4. The percentage reflects the number of respondents (4.74%) who selected “Less complex — investing in T-bills is easier than MMFs” when asked, “How would you describe the experience of buying and managing T-bills compared to Treasury MMFs?”
5. The percentage reflects the number of respondents (66.10%) who selected either “Somewhat safer” or “Much safer” when asked, “If a solution existed that gave you direct ownership of T-bills—held in your name, with no layers of counterparty or redemption risk, similar to an account at the Federal Reserve—how would you view its safety compared to your current setup?” This percentage does not include those who answered “Not sure” or did not answer the question.

INVESTMENTS IN T-BILLS: NOT FDIC INSURED - NO BANK GUARANTEE - MAY LOSE VALUE

All U.S. Treasury investments and investment advisory services provided by Jiko Securities, Inc., a registered broker-dealer, member FINRA and SIPC. Securities in your account are protected up to $500,000. For details, please see www.sipc.org.

Banking services provided by Jiko Bank, a division of Mid-Central National Bank.

Jiko Group, Inc. and its affiliates do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. This material is not intended as a recommendation, offer, or solicitation for the purchase or sale of any security or investment strategy. See FINRA BrokerCheck, Jiko U.S. Treasuries Risk Disclosures, and Jiko Securities Inc. Form CRS.

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