Spiko Insights

SAFO is now the world's largest tokenized fund

SAFO, the fund Spiko launched with Amundi, is now the world's largest tokenized fund: $2.39 billion, ahead of Circle's USYC and BlackRock's BUIDL.

The Spiko app is here

Track your daily interest, deposit, withdraw and approve your team's operations from your phone. Get the Spiko app on the App Store and Google Play.

We've raised $90M to make cash earn for everyone

Spiko has raised a $90 million Series B led by NEA, just over two years after launching our first funds. A major milestone for the whole team.

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

S&P Global Ratings assigned Smart Cash Euro a AAAf credit quality rating and an S1+ volatility rating, the highest possible on both scales.

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

Futures markets often price the same asset twice. Spiko Cash & Carry aims to capture that gap. How it works and what the risks are.

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

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

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

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

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

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

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

On March 10, 2023, a $220 billion bank collapsed in under 48 hours. Discover the Silicon Valley Bank story and its lessons for cash management.

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

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

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

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

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

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

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

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

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

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

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?

Euro or dollar money market fund? This article outlines the key points you need to know to choose the one that best fits your treasury needs.

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

Spiko, the French cash management fintech, now offers businesses and individuals across Europe direct access to U.S. Treasury bills and the dollar.

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

CACEIS a permis à des clients de souscrire aux premiers fonds monétaires UCITS français émis nativement sur la blockchain publique Ethereum.

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?

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

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

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?

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?

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

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

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

Why Spiko?

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