Spiko
15 July 2024
Capital protection and risks tied to treasury allocation
Parking your cash into money market funds fully backed by T-Bills, like those offered by Spiko, involves less credit risk than placing it in a term deposit ...
Seamless access to the risk-free rate
Open your account in less than 5 minutes and start earning interest paid daily on your cash. Withdraw anytime, with no notice, fees, or penalties.
*Annualized performance, net of fees, over the past 31 days. Rates are updated daily and may fluctuate based on changes in Treasury bill yields.
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Interest paid.
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Cash on the platform.
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Deposit and withdrawal volumes processed.
Hundreds of entrepreneurs and CFOs are already using Spiko:
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Your cash is securely held by the world's largest custodian banks
Our Money Market Funds
Daily interest on your cash
Daily interest on your cash
Your checking account earns you nothing, and term deposits tie up your cash. With Spiko, you earn interest daily, without locking your money away.
Fully secured by Treasury Bills
Fully secured by Treasury Bills
Your cash is exclusively invested in Treasury Bills (T-Bills) issued by the most stable Eurozone countries (€MMF) or the United States ($MMF).
100% liquid, accessible daily
100% liquid, accessible daily
Your cash is always accessible. Withdraw it every business day, with no notice required, no fees, and no penalties on accumulated interest.
First deposit from 1,000 EUR or USD
First deposit from 1,000 EUR or USD
Spiko is available with an initial deposit of just 1,000 EUR or USD. After that, you can make unlimited deposits and withdrawal starting from 1 EUR or USD, with no upper limits.
Straightforward for your accountant
Straightforward for your accountant
Spiko's accounting and tax treatment is similar to that of a term deposit, so it's straightforward for your accountant to handle.
Regulated under EU law
Regulated under EU law
The Spiko Money Market Funds are approved by the French Financial Markets Authority (AMF). Your assets are never held by Spiko; they are securely held by one of the world's largest custodian banks, a subsidiary of the Crédit Agricole and Santander groups.
Nous travaillons avec des leaders
Spiko travaille avec des partenaires et des prestataires de premier plan. Votre argent n’est jamais détenu par Spiko. Il est conservé par un des plus grands établissements bancaires du monde.
À partir de 1 000 €
Calculate your missed interest
Your checking account is not earning interest. What if you could earn interest while keeping your funds completely flexible? That's exactly what our products offer!
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À partir de 1 000 €
Our main use cases
Discover how hundreds of entrepreneurs, CFOs and individuals are using Spiko to grow their cash holdings.
Just raised funds? Join hundreds of startups supercharging their treasury with Spiko! Earn daily returns on your cash while keeping full flexibility and liquidity. No more tedious term deposits that takes weeks to open and lock up your cash - Spiko makes it seamless.
Learn more
Do you have cash sitting idle temporarily or regularly in your checking account? With Spiko, make it grow daily without compromising its availability.
Learn more
Does your personal holding company have idle cash? Spiko's money market funds provide simple and direct access to risk-free rates in euros or dollars, backed by the security of one of the world's largest custodian banks.
Learn more
Sold a property or have cash waiting for a transaction? Don’t let your capital sit idle without earning returns. With Spiko, enjoy daily interest while keeping full access to your funds—no notice, no restrictions.
Learn more
Building up cash as part of your freelance work? Like many freelancers, is it just sitting idle in a checking account? Put it to work with Spiko—risk-free and hassle-free. Your money stays as accessible as in your checking account, but now it earns interest too!
Learn more
Want to offer returns to your clients or earn returns on your corporate cash or client funds? Spiko's MMFs and API are designed for you!
Learn more
Hold stablecoins? Spiko gives you on-chain access to risk-free rates in dollars or euros. Want self-custody? You can keep your tokenized money market fund shares directly in a self-custodial wallet.
Learn more
Got cash piling up in a checking account? Open a Spiko account in just a few clicks and start earning daily interest on your funds without sacrificing liquidity.
Learn more
Start-up
Just raised funds? Join hundreds of startups supercharging their treasury with Spiko! Earn daily returns on your cash while keeping full flexibility and liquidity. No more tedious term deposits that takes weeks to open and lock up your cash - Spiko makes it seamless.
SME
Do you have cash sitting idle temporarily or regularly in your checking account? With Spiko, make it grow daily without compromising its availability.
Holding
Does your personal holding company have idle cash? Spiko's money market funds provide simple and direct access to risk-free rates in euros or dollars, backed by the security of one of the world's largest custodian banks.
Real Estate
Sold a property or have cash waiting for a transaction? Don’t let your capital sit idle without earning returns. With Spiko, enjoy daily interest while keeping full access to your funds—no notice, no restrictions.
Freelance
Building up cash as part of your freelance work? Like many freelancers, is it just sitting idle in a checking account? Put it to work with Spiko—risk-free and hassle-free. Your money stays as accessible as in your checking account, but now it earns interest too!
Fintech
Want to offer returns to your clients or earn returns on your corporate cash or client funds? Spiko's MMFs and API are designed for you!
Web3
Hold stablecoins? Spiko gives you on-chain access to risk-free rates in dollars or euros. Want self-custody? You can keep your tokenized money market fund shares directly in a self-custodial wallet.
Individuals
Got cash piling up in a checking account? Open a Spiko account in just a few clicks and start earning daily interest on your funds without sacrificing liquidity.
Press articles
Spiko is making headlines! Discover our journey and our ambition to democratize access to the best cash products.
L’initiative émane de Spiko, créée l’an dernier par deux anciens hauts fonctionnaires de Bercy. Ces fonds monétaires sont structurés sous forme de compartiments d’une nouvelle SICAV agréée par l’AMF. Objectif : offrir une solution alternative de placement de trésorerie aux entreprises et aux particuliers...
Start-up créée en 2023, par Paul-Adrien Hyppolite et Antoine Michon, deux anciens haut-fonctionnaires passés par l’ENS et X-Mines qui ont travaillé dans les domaines de la réglementation financière et de la transformation numérique de l’Etat, la fintech Spiko développe de nouvelles...
Learn more about Spiko
To better understand the world of cash management, explore our blog!
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