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Behind Spiko is a team of finance and tech enthusiasts driven by a shared mission: to transform the issuance, management, and distribution of financial instruments.
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The first wave of fintech innovation, led by players like Revolut, Wise, Qonto, Lydia, and Trade Republic, transformed the accessibility and user experience of financial services. However, these pioneers largely relied on the legacy infrastructure of the financial system. This is why card payments, international transfers, and ownership changes for financial instruments still take days to settle.
We’re now entering a second wave of fintech innovation, one centered on financial infrastructure. The outdated, siloed systems operated by a few traditional players are being replaced by open, composable, and interoperable infrastructures. Spiko was created to be part of this transformation, ending the technical obsolescence of the financial system.
Spiko is a next-generation platform for issuing, managing, and distributing financial instruments.
Our platform connects both issuers of financial instruments (asset managers, corporations, governments) and capital providers (treasurers, savers, individual or institutional investors), enabling supply and demand to meet around financial instruments designed with more efficient ownership registries.
Spiko leverages tokenization, representing securities as tokens on open databases like public blockchains, to deliver unprecedented efficiency and transparency.
Amid rising interest rates since March 2022, we’ve chosen to begin with the simplest, most essential products: providing access to the $ and € risk-free rates through investments in Treasury Bills from the world’s most stable governments.
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What does this mean for you?
With Spiko products, individuals, startups, and SMEs can finally access:
Spiko is a fintech we founded to revolutionize how financial instruments are issued, managed, distributed, and traded. We're tackling the outdated IT infrastructure of capital markets with the goal of providing access to better financial instruments: seamlessly accessible, instantly transferable, always-on, and liquid. Our first products—the “Spiko funds”—are money market funds that make accessing the $ and € risk-free rates easier than ever.
Antoine and Paul-Adrien co-founded Spiko in 2023, soon joined by Samuel.
Paul-Adrien (CEO) previously served as the deputy head of the financial markets division at the French Treasury Department and has prior experience in private equity.
Antoine (COO) previously served as an adviser on digital transformation for the French government and was a deployment lead at Palantir.
Samuel (Head of Engineering) is a seasoned software engineer with a track record at startups like P00ls and Inato.
As of now, risk-free rates stand at 3.9% (€STR) for euros and 5.3% (EFFR) for dollars. These are the rates your bank earns by depositing your money with the central bank. At Spiko, we believe this yield should go to you. Our money market funds put this interest back in your hands.
To better understand the world of cash management, explore our blog!
