Daily interest at the risk-free rate
Open an account in less than 5 minutes and start earning daily interest on your cash. Withdraw anytime, with no fees or penalties.
Your money is safely held by Crédit Agricole’s custody division
*Annualized performance, net of fees, over the past 31 days. Rates are updated daily and may fluctuate based on changes in Treasury bill yields.
Calculate your interest
Your current account is not earning interest. Your term deposit locks up your funds. Spiko puts your cash to work every day — with no lock-ins, ever.
Hundreds of entrepreneurs and CFOs are already using Spiko
Our Money Market Funds
Interest paid daily
Fully secured by Treasury Bills
Withdraw anytime, without notice
First deposit from 1,000 EUR or USD
Straightforward for your accountant
Regulated under EU law
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.
Our main use cases
Discover how hundreds of entrepreneurs, CFOs and individuals are using Spiko.
Just raised funds? Power your startup’s treasury with Spiko. Earn daily interest, keep full access—no locks, no waiting. Cash management made simple.
Got idle cash in your current account? With Spiko, watch it grow daily, while keeping full access whenever you need it.
Idle cash in your holding company? Our products deliver easy, risk-free euro or dollar returns, secured by one of the world’s top custodian banks.
Sold a property or waiting on a transaction? Don’t let your cash sit idle. With Spiko, earn daily interest and keep full access. No notice, no restrictions.
Freelancer with cash sitting idle in your current account? Put it to work with Spiko: risk-free, hassle-free, and fully accessible. Earn interest without losing access.
Looking to embed MMFs into your product or earn yield on corporate cash or client funds? Our APIs are built to make it easy.
Tired of zero yield on your stablecoins and costly on/off-ramp fees? Tap into Spiko MMFs for on-chain, risk-free returns in USD or EUR. Subscribe or redeem seamlessly using fiat or stablecoins.
Stop letting your cash collect dust. With Spiko, you earn daily interest without giving up liquidity. And as the icing on the cake, opening an account takes just a few clicks.
Start-up
Just raised funds? Power your startup’s treasury with Spiko. Earn daily interest, keep full access—no locks, no waiting. Cash management made simple.
SME
Got idle cash in your current account? With Spiko, watch it grow daily, while keeping full access whenever you need it.
Holding
Idle cash in your holding company? Our products deliver easy, risk-free euro or dollar returns, secured by one of the world’s top custodian banks.
Real Estate
Sold a property or waiting on a transaction? Don’t let your cash sit idle. With Spiko, earn daily interest and keep full access. No notice, no restrictions.
Freelance
Freelancer with cash sitting idle in your current account? Put it to work with Spiko: risk-free, hassle-free, and fully accessible. Earn interest without losing access.
Fintech
Looking to embed MMFs into your product or earn yield on corporate cash or client funds? Our APIs are built to make it easy.
Web3
Tired of zero yield on your stablecoins and costly on/off-ramp fees? Tap into Spiko MMFs for on-chain, risk-free returns in USD or EUR. Subscribe or redeem seamlessly using fiat or stablecoins.
Individuals
Stop letting your cash collect dust. With Spiko, you earn daily interest without giving up liquidity. And as the icing on the cake, opening an account takes just a few clicks.
Press articles
Spiko is making headlines! Discover our journey and our ambition to democratize access to the best cash products.
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Paris, April 17, 2025 - Bpifrance is taking a new step in blockchain finance by announcing a subscription, using its own funds, to the Spiko Euro money market fund, the first tokenized fund entirely backed by French Treasury bonds.
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Propulsée par un récent financement de 4 millions d’euros, la jeune pousse française Spiko imite le géant américain Blackrock et lance les premiers fonds monétaires tokenisés accessibles au grand public dans l’Union européenne...
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Aux Etats-Unis il y a BlackRock, en France, c’est Spiko. Par cette analogie un peu provocatrice, il s’agit de comparer les deux premières sociétés à avoir lancé des fonds tokénisés outre-Atlantique et en Europe...
Fondée en 2023, cette fintech vient de lancer deux fonds monétaires tokenisés dans l'Union européenne. Elle annonce par la même occasion une levée de fonds en amorçage de quatre millions d'euros...