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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.

Icône rendement en euro
0.00%
net yield in EUR
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Icône rendement en usd
0.00%
net yield in USD
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*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

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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

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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

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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

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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

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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

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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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Missed interest:
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Fond décoratif
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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.

Spiko pour les 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.

Learn more
Spiko pour les PME

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
Spiko pour les holdings

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
Spiko pour l'immobilier

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
Spiko pour les freelances

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
Spiko pour la 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!

Learn more
Spiko et le 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.

Learn more
Spiko pour les particuliers

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

Flèche vers le bas

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

Spiko pour les Start-up

SME

Flèche vers le bas

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

Spiko pour les PME

Holding

Flèche vers le bas

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

Spiko pour les holdings

Real Estate

Flèche vers le bas

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

Spiko pour l'immobilier

Freelance

Flèche vers le bas

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

Spiko pour les freelances

Fintech

Flèche vers le bas

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

Spiko pour la Fintech

Web3

Flèche vers le bas

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

Spiko et le Web3

Individuals

Flèche vers le bas

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

Spiko pour les particuliers

Press articles

Spiko is making headlines! Discover our journey and our ambition to democratize access to the best cash products.

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...

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...

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...