Spiko is a regulated French fintech offering tokenized real-world asset (RWA) money market funds accessible via a web app or API. It transforms idle cash—whether EUR or USD—into daily-yielding Treasury-backed funds, while maintaining full liquidity without fees or lock-ins.
Risk-Free, Daily Interest
Spiko invests exclusively in short-term government Treasury bills from top-tier sovereign issuers such as France, Germany, and the U.S. Daily interest—net of management fees—accrues and compounds automatically. Users retain the flexibility to deposit or withdraw funds at any business day, with no notice or penalties.
Transparent, Regulated Infrastructure
Spiko’s funds are fully licensed and overseen by the French Financial Markets Authority (AMF). All assets are held by a leading Crédit Agricole custodian, not by Spiko itself. Fees are minimal (around 0.25% per annum) and deducted automatically, ensuring simplicity for both accounting and taxation.
Easy Setup and Broad Access
Opening an account takes minutes, with a €1,000 minimum initial deposit and subsequent top-ups from €1 onward. Both individuals and businesses—including startups, SMEs, real estate entities, and Web3 firms—can utilize the funds to optimize treasury management. Daily liquidity and transparent performance metrics simplify the user experience.
Pioneering Tokenization
Spiko’s innovation lies in tokenizing money market fund shares. The Euro and US Dollar funds (UCITS-compliant) issue blockchain-based shares that are tradeable 24/7 across wallets via web or API. This democratizes institutional-grade cash management and bridges traditional finance with digital assets.
Mission-Driven Fintech
Founded in 2023 by former financial regulators and tech entrepreneurs, Spiko aims to revolutionize financial infrastructure through open-source and blockchain-enabled systems. Their vision emphasizes composability, transparency, and accessibility in the future of finance.
