Fintech
Leverage API access to Money Market Funds.
The Spiko Money Market Funds provide programmable access to the risk-free rates in both EUR and USD, whether for your own account, your clients' accounts, or to earn yield on their segregated funds.
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Fintech use cases
Discover how our fintech clients use Spiko.
Cash management
Most fintech companies actively manage their cash. With Spiko, you can programmatically access the risk-free rate in EUR or USD, with no extra fees and no compromise on liquidity.
Fund segregation
Spiko's money market funds comply with European regulations on fund segregation. Our products allow you to generate risk-free returns in euros or dollars on your clients' funds.
Distribute interest to your clients
Would you like to offer your clients the opportunity to generate returns on their deposits in euros or dollars? We offer several partnership options, tailored to your regulatory status and business model.
Most fintech companies actively manage their cash. With Spiko, you can programmatically access the risk-free rate in EUR or USD, with no extra fees and no compromise on liquidity.
Spiko's money market funds comply with European regulations on fund segregation. Our products allow you to generate risk-free returns in euros or dollars on your clients' funds.
Would you like to offer your clients the opportunity to generate returns on their deposits in euros or dollars? We offer several partnership options, tailored to your regulatory status and business model.
A straightforward API
for seamless integration
Spiko gives you the tools to automate access to risk-free rates effortlessly.
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Our clients' funds are securely held by the world's largest custodian banks
Integrate Spiko in less than a week
The Spiko API allows you to access our products for your own account or distribute them to your clients seamlessly.
Let's discuss your needs.
Dozens of fintech companies already use Spiko. We're available to explore your specific needs. To distribute the Spiko MMFs to your clients, simply sign a distribution agreement.
Get API access to Spiko.
Our API gives you programmatic access to our money market funds, whether for your own account or for your clients.
Earn interest daily.
Money market funds earn interest daily. Interest is calculated and paid the same day through capitalization: your balance therefore increases daily.
You can withdraw all or part of your cash at any time.
You can withdraw your cash and accumulated interest at any time, with no fees. We process withdrawals every business day, ensuring your funds reach your account the same day (if requested before 10:30 AM CET) or the next business day.
Your security is our priority
Your cash is exclusively invested in Treasury Bills, which are the safest financial assets available. Plus, it is securely held by one of the world's largest custodian banks, a subsidiary of the Crédit Agricole group. Your cash is never held by Spiko.
Frequently asked questions
Are the Spiko Money Market Funds eligible for fund segregation purposes?
Yes, the Spiko MMFs are qualified financial instruments for client fund segregation, as outlined in the French Monetary and Financial Code: Art. L522-17 for payment institutions, Art. L526-32 for electronic money institutions, Art. L533-10 for investment firms.
What are the requirements for distributing the Spiko products to my clients?
To directly distribute the Spiko MMFs, which are money market UCITS, you must be authorized to provide reception and transmission of orders in accordance with MiFID regulations. In France, this requires holding the status of either an investment advisor (CIF) or an investment service provider (PSI).