Spiko launches stablecoin deposits and withdrawals

The Spiko T-Bills money market funds now accept subscriptions and redemptions in EURC and USDC. If you hold either of these stablecoins, you can deploy them directly into our euro and dollar funds - and exit just as easily - without ever touching the banking system, thanks to the integration of Coinbase Payments at the fund level.

A world first

The Spiko T-Bills funds are UCITS, the most stringent regulatory standard in Europe for investor protection. They are approved by the AMF and subject to continuous supervision.

Until now, accessing them required going through traditional banking rails: a SEPA or Swift transfer, with settlement taking anywhere from 1 to 3 business days. For a company managing its treasury in stablecoins, that friction was real, and often a dealbreaker.

Our funds are now the first UCITS in the world to accept stablecoin payments natively at the fund level. This is a double first: technical, of course, but also regulatory. Getting the depositary bank CACEIS and the AMF to approve Coinbase as a fund payment provider had never been done before. It is the result of nearly two years of work.

Stablecoins: the payment rails of the future?

From the funds' perspective, nothing fundamentally changes: stablecoins are simply a new payment method, faster and more traceable than traditional transfers, available for any amount and any currency. Where an international wire can take several days, stablecoin settlement happens at blockchain speed, often in a matter of seconds.

We believe this efficiency will accelerate the adoption of stablecoins as a fully-fledged payment rail, particularly for cross-border B2B flows. AI agents autonomously managing treasuries are another emerging use case. Spiko is positioning itself as the yield layer that integrates natively into these new flows.

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The Spiko x Coinbase press release is available here.

At Spiko, we offer simple access to risk-free rates in euros and dollars through regulated financial products called money market funds. Spiko money market funds hold Treasury bills issued by the most creditworthy eurozone governments and the US federal government. They deliver daily returns on your cash while keeping it fully accessible at all times: no notice period, no penalties, no withdrawal fees

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