Spiko is a financial management platform that enables users—including Web3 participants—to earn daily interest on their cash or stablecoins by investing in money market funds (MMFs) backed by Treasury bills from stable Eurozone countries or the US. Funds are securely held by leading custodian banks, not by Spiko itself, ensuring safety and transparency. The platform provides seamless, flexible access to risk-free rates, with no lockups or penalties for withdrawals.

Is Spiko a secure platform?

Spiko’s money market funds are regulated by the French Financial Markets Authority (AMF), and all assets are held by major global custodian banks, subsidiaries of Crédit Agricole and Santander. The platform never holds user funds directly, and security is reinforced by robust regulatory oversight and institutional-grade custody. This setup ensures user assets are protected and fully compliant with EU financial regulations.

To use Spiko, open an account online in under five minutes with a minimum deposit of 1,000 EUR or USD, and start earning daily interest immediately. Web3 users can also invest stablecoins and hold tokenized MMF shares in self-custodial wallets for on-chain access to risk-free rates. Withdrawals and additional deposits are flexible, with no notice, fees, or penalties, making it easy to manage liquidity.

What services does Spiko offer?

Spiko provides access to regulated money market funds in euros and dollars, daily interest payouts, and on-chain tokenized fund shares for Web3 users. The platform supports individuals, startups, SMEs, freelancers, and fintechs with flexible cash management, API integrations, and straightforward accounting. Spiko’s services are designed to maximize returns on idle cash while maintaining full liquidity and regulatory compliance.

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What is Spiko?

Spiko is a financial management platform that offers tokenized money market funds (MMFs) denominated in euros and dollars, providing Web3 users with on-chain access to risk-free rates through investments in Treasury Bills. These tokenized shares are compliant with EU regulations and can be held in self-custodial wallets, enabling seamless integration into decentralized finance (DeFi) ecosystems. Spiko's infrastructure leverages smart contracts on the Polygon blockchain, ensuring transparency and real-time updates on asset performance.

Benefits of using Spiko

Spiko empowers Web3 users to earn daily interest on their idle stablecoin holdings without compromising liquidity or security. By bridging traditional finance with blockchain technology, it offers a compliant and transparent solution for managing cash reserves on-chain. This integration facilitates the use of tokenized MMFs as collateral in DeFi protocols, enhancing capital efficiency for stablecoin issuers and other decentralized applications.

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FAQ

Frequently Asked Questions

How does Spiko work?
Spiko is a financial management platform that enables users—including Web3 participants—to earn daily interest on their cash or stablecoins by investing in money market funds (MMFs) backed by Treasury bills from stable Eurozone countries or the US. Funds are securely held by leading custodian banks, not by Spiko itself, ensuring safety and transparency. The platform provides seamless, flexible access to risk-free rates, with no lockups or penalties for withdrawals.
Is Spiko a secure platform?
Spiko’s money market funds are regulated by the French Financial Markets Authority (AMF), and all assets are held by major global custodian banks, subsidiaries of Crédit Agricole and Santander. The platform never holds user funds directly, and security is reinforced by robust regulatory oversight and institutional-grade custody. This setup ensures user assets are protected and fully compliant with EU financial regulations.
How to use Spiko?
To use Spiko, open an account online in under five minutes with a minimum deposit of 1,000 EUR or USD, and start earning daily interest immediately. Web3 users can also invest stablecoins and hold tokenized MMF shares in self-custodial wallets for on-chain access to risk-free rates. Withdrawals and additional deposits are flexible, with no notice, fees, or penalties, making it easy to manage liquidity.
What services does Spiko offer?
Spiko provides access to regulated money market funds in euros and dollars, daily interest payouts, and on-chain tokenized fund shares for Web3 users. The platform supports individuals, startups, SMEs, freelancers, and fintechs with flexible cash management, API integrations, and straightforward accounting. Spiko’s services are designed to maximize returns on idle cash while maintaining full liquidity and regulatory compliance.

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