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Who are we?
Behind Spiko is a team of finance and tech enthusiasts driven by a shared mission: to transform the issuance, management, and distribution of financial instruments.
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Why Spiko?
The first wave of fintech innovation, led by players like Revolut, Wise, Qonto, Lydia, and Trade Republic, transformed the accessibility and user experience of financial services. However, these pioneers largely relied on the legacy infrastructure of the financial system. This is why card payments, international transfers, and ownership changes for financial instruments still take days to settle.
We’re now entering a second wave of fintech innovation, one centered on financial infrastructure. The outdated, siloed systems operated by a few traditional players are being replaced by open, composable, and interoperable infrastructures. Spiko was created to be part of this transformation, ending the technical obsolescence of the financial system.
Our mission: Making financial instruments better and more accessible
Spiko is a next-generation platform for issuing, managing, and distributing financial instruments.
Our platform connects both issuers of financial instruments (asset managers, corporations, governments) and capital providers (treasurers, savers, individual or institutional investors), enabling supply and demand to meet around financial instruments designed with more efficient ownership registries.
Spiko leverages tokenization, representing securities as tokens on open databases like public blockchains, to deliver unprecedented efficiency and transparency.
Where to start?
Amid rising interest rates since March 2022, we’ve chosen to begin with the simplest, most essential products: providing access to the $ and € risk-free rates through investments in Treasury Bills from the world’s most stable governments.
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What does this mean for you?
With Spiko products, individuals, startups, and SMEs can finally access:
- Daily yield on their cash reserves;
- Complete flexibility with deposits and withdrawals available every business day without notice or fees;
- Real-time transparency into the Treasury Bills their funds are invested in, held securely with one of the world’s leading custodian banks.
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