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AAA: Smart Cash gets S&P's highest possible rating.
AAA: Smart Cash gets S&P's highest possible rating.
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AAA: Smart Cash gets S&P's highest possible rating
20 September 2026
Spiko

AAA: Smart Cash gets S&P's highest possible rating

S&P Global Ratings has assigned Smart Cash Euro a AAAf fund credit quality rating and an S1+ fund volatility rating. Both are the highest possible ratings on their scales.

No fees, no spread: how Spiko manages currency conversion
14 September 2026
Spiko

No fees, no spread: how Spiko manages currency conversion

You can now transfer funds between Spiko Euro, Spiko Dollar and Spiko Pound, and withdraw from any of them in EUR, GBP, or USD.

Spiko Cash & Carry: everything you need to know about our new product
11 Aug 2026
Spiko

Spiko Cash & Carry: everything you need to know about our new product

Assets on futures markets often trade at two prices at once. Spiko Cash & Carry, our newest fund, is built to earn that gap. How it works, and its risks.

Borrow stablecoins against your SAFO shares
22 July 2026
Spiko

Borrow stablecoins against your SAFO shares

Steakhouse Financial is launching a market on the Morpho protocol that lets anyone borrow EUR CoinVertible at any time using the Spiko Amundi Overnight Swap Fund (SAFO) shares as collateral.

€500,000 in instant withdrawals per day, weekends included
21 July 2026
Spiko

€500,000 in instant withdrawals per day, weekends included

Both businesses and individuals in the European countries where Spiko operates can withdraw up to 500,000 euros per day. 10 seconds to transfer the funds to your bank account.

Ramify chooses Spiko for its new B2B offering
8th July 2026
Spiko

Ramify chooses Spiko for its new B2B offering

Ramify, the digital alternative to private banking, is now integrating Smart Cash on a white-label basis, directly inside its app. Founded in 2021, the fintech starts offering our treasury yield solut

Spiko launches stablecoin deposits and withdrawals
30 June 2026
Spiko

Spiko launches stablecoin deposits and withdrawals

The Spiko T-Bills money market funds now accept subscriptions and redemptions in EURC and USDC.

Spiko Brings Institutional-Grade Euro Yields to Europe's Most Popular Bitcoin App and Its 350,000 Savers
23 June 2026
Spiko

Spiko Brings Institutional-Grade Euro Yields to Europe's Most Popular Bitcoin App and Its 350,000 Savers

We're thrilled to announce our partnership with Bitstack, which is embedding Spiko Smart Cash Euro directly into its app with the launch of Bitstack Boost.

How Conquest, an infrastructure fund manager, automates cash placement for its portfolio companies
26 May 2026
Spiko

How Conquest, an infrastructure fund manager, automates cash placement for its portfolio companies

17 companies connected to Spiko via the API, 3 countries already covered by the integration, 3 weeks to integrate the API into production

A day in the life of Spiko Smart Cash operations
15 May 2026
Finance

A day in the life of Spiko Smart Cash operations

In a previous article, we opened the hood of our operations to walk you through a typical day at a money market fund.

Silicon Valley Bank: three lessons from a historic bank collapse
13 April 2026
Finance

Silicon Valley Bank: three lessons from a historic bank collapse

On March 10, 2023, a $220 billion bank collapsed in less than 48 hours. Read the story of Silicon Valley Bank (SVB), one of the most important lessons in cash management in recent memory.

Smart Cash: everything you need to know about our new product
20 March 2026
Spiko

Smart Cash: everything you need to know about our new product

Last week, we unveiled Smart Cash, a new product line managed by Amundi, Europe’s largest asset manager. Its official name? The Spiko Amundi Overnight Swap Fund (SAFO).

Spiko and Amundi partner to launch SAFO
19 March 2026
Spiko

Spiko and Amundi partner to launch SAFO

Spiko and Amundi, Europe's largest asset manager with €2.4 trillion in AUM, are launching SAFO, the Spiko Amundi Overnight Swap Fund.

Breaking $1 Billion in AuM: the journey and the numbers behind it
19 February 2026
Spiko

Breaking $1 Billion in AuM: the journey and the numbers behind it

Only 18 months after launching Europe’s first approved tokenized money market funds, we’ve hit a symbolic milestone last week: $1 billion in assets under management (AuM).

The story of the first Money Market Fund
26 January 2026
Finance

The story of the first Money Market Fund

Money market funds (MMFs) first appeared in the United States in the early 1970s as a solution to a pressing challenge for individuals and businesses: how to earn a return on cash holdings ...

Spiko integrates Morpho and partners with SG Forge to provide instant liquidity for tokenized money market fund shares
30 September 2025
Finance

Spiko integrates Morpho and partners with SG Forge to provide instant liquidity for tokenized money market fund shares

Spiko is partnering with Société Générale–Forge (SG Forge) to give money market fund shareholders 24/7 access to stablecoin liquidity through Morpho’s lending-borrowing protocol.

Memo Bank partners with Spiko to offer money market funds to its customers
24 July 2025
Spiko

Memo Bank partners with Spiko to offer money market funds to its customers

Memo Bank, the independent bank for French SMEs and mid-cap companies, announces a strategic partnership with Spiko to expand its treasury management solutions.

Spiko Raises $22M, led by Index Ventures, to democratise access to treasury yields, after hitting $400m in AUM in first year
17 July 2025
Spiko

Spiko Raises $22M, led by Index Ventures, to democratise access to treasury yields, after hitting $400m in AUM in first year

Spiko, a fintech transforming the European cash management market through tokenized infrastructure, has today announced $22 million in Series A funding led by Index Ventures

Spiko to Integrate the Chainlink Interoperability Standard to Enable Compliant Cross-Chain Access to $380M+ in Regulated Money Market Funds
1 July 2025
Spiko

Spiko to Integrate the Chainlink Interoperability Standard to Enable Compliant Cross-Chain Access to $380M+ in Regulated Money Market Funds

Spiko, a platform delivering next-generation infrastructure for regulated asset management and capital markets, and Chainlink, the backbone of the blockchain industry, today announced a strategic ..

Bpifrance announces its subscription to Spiko’s tokenized money market fund, using its own cash reserves
17 April 2025
Spiko

Bpifrance announces its subscription to Spiko’s tokenized money market fund, using its own cash reserves

Bpifrance is taking a major step forward in blockchain-based finance by announcing a subscription to the Spiko Euro money market fund ..

Bond Duration
5 March 2025
Finance

Bond Duration

When investing in bonds, understanding the concept of "duration" is essential. It plays a key role in assessing interest rate risk and anticipating how bond prices move.

Understanding short-term debt securities
25 February 2025
Finance

Understanding short-term debt securities

Money markets are financial markets dedicated to short-term financing for businesses, governments, and financial institutions. They connect entities with short-term cash needs to those with surplus ..

Euro vs. Dollar MMF: which one should I choose?
18 December 2024
Spiko

Euro vs. Dollar MMF: which one should I choose?

Many of you have asked us how to choose between the euro money market fund and the dollar money market fund. The goal of this article is to outline the key points you need to know to understand ...

Spiko Opens Access to U.S. Treasury Bills and the Dollar for All Europeans
18 December 2024
Spiko

Spiko Opens Access to U.S. Treasury Bills and the Dollar for All Europeans

French fintech Spiko, a specialist in cash management solutions, announces a groundbreaking milestone for businesses and individuals across Europe. The company is now offering direct access to ...

Fonds monétaires ou comptes à terme : que choisir ?
22 Octobre 2024
Spiko

Fonds monétaires ou comptes à terme : que choisir ?

Les fonds monétaires (MMF pour “Money Market Funds”) et les comptes ou dépôts à terme (CAT ou DAT) sont des solutions de placement de trésorerie aux propositions de valeur distinctes...

Spiko, in collaboration with CACEIS, integrates Chainlink infrastructure to bring NAV data onchain
16 October 2024
Spiko

Spiko, in collaboration with CACEIS, integrates Chainlink infrastructure to bring NAV data onchain

We’re excited to announce that Spiko—in collaboration with CACEIS—has integrated Chainlink infrastructure to deliver Net Asset Value (NAV) data of the Spiko Money Market Funds on Ethereum ...

CACEIS enregistre les souscriptions de clients dans les fonds monétaires Spiko
7 Octobre 2024
Spiko

CACEIS enregistre les souscriptions de clients dans les fonds monétaires Spiko

CACEIS a permis à des clients de souscrire dans les premiers fonds UCITS monétaires français dont les parts sont nativement émises et livrées dans la blockchain publique Ethereum.

Qu’est-ce qu’une banque dépositaire ?
23 Septembre 2024
Finance

Qu’est-ce qu’une banque dépositaire ?

Lorsque nous entendons le terme ‘banque’, nous pensons tous spontanément à notre banque du quotidien : celle où nous avons notre compte courant, recevons notre salaire chaque mois ...

Comptabilité et fiscalité des fonds monétaires Spiko
17 Septembre 2024
Spiko

Comptabilité et fiscalité des fonds monétaires Spiko

Cet article a pour objectif de clarifier le traitement fiscal et comptable de votre placement de trésorerie avec Spiko.

Une journée d’opération d’un fonds monétaire Spiko
19 Aout 2024
Spiko

Une journée d’opération d’un fonds monétaire Spiko

Dans cet article, nous ouvrons le capot de nos opérations ⚙️ pour vous expliquer étape par étape le déroulé d’une journée type d’un fonds monétaire Spiko.

Comment les fonds monétaires Spiko sont-ils protégés du risque de taux ?
18 Juillet 2024
Spiko

Comment les fonds monétaires Spiko sont-ils protégés du risque de taux ?

Le risque de taux correspond au risque de voir la valeur de revente d’une obligation (avant son échéance) diminuer sur les marchés en raison d’une augmentation des taux d’intérêt par ...

Capital protection and risks tied to treasury allocation
15 July 2024
Spiko

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 ...

How do we manage our own treasury at Spiko?
8 July 2024
Spiko

How do we manage our own treasury at Spiko?

We are often asked how we manage our corporate treasury at Spiko. The answer is simple: almost all of it (99%) is allocated to our own products ...

Spiko launches the world’s first tokenized Money Market Funds
12 June 2024
Spiko

Spiko launches the world’s first tokenized Money Market Funds

Two months after the launch of BlackRock's first tokenized fund, Spiko announces the launch of the first two tokenized money market funds in the European Union.

An introduction to Treasury Bills
27 May 2024
Finance

An introduction to Treasury Bills

Treasury Bills are short-term debt securities issued by governments, typically with maturities of 1, 3, or 6 months. Their extremely low counterparty risk and high liquidity ...

Who controls the risk-free rate?
20 May 2024
Finance

Who controls the risk-free rate?

In today’s monetary and financial system, central banks hold the reins when it comes to controlling risk-free rates ...

What is the risk-free rate?
13 May 2024
Finance

What is the risk-free rate?

The interest rate on a loan is always shaped by two key factors: The cost to the lender of forgoing their money for the duration of the loan ...

Why tokenization will revolutionize financial infrastructure (2/2): buying a listed stock
29 April 2024
Spiko

Why tokenization will revolutionize financial infrastructure (2/2): buying a listed stock

At Spiko, we’re convinced that tokenization will radically transform the way financial infrastructures operate in the coming decade.

Why tokenization will revolutionize financial infrastructure (1/2): bank transfers
24 April 2024
Spiko

Why tokenization will revolutionize financial infrastructure (1/2): bank transfers

At Spiko, we firmly believe that tokenization is set to transform the very foundations of financial system infrastructure in the coming decade.

Why Spiko?
15 April 2024
Spiko

Why Spiko?

Spiko is a fintech we founded to revolutionize how financial instruments are issued, managed, distributed, and traded.

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Spiko builds infrastructure for the seamless issuance and 24/7 transfer of internet-native financial instruments. Our flagship products are money market funds, giving frictionless access to risk-free rates. Welcome to our technical blog.

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