Leverage API access to daily yield
Spiko provides programmable access to TRS strategies in EUR, USD, GBP and CHF, whether for your own account, or your clients' accounts, and enables you to earn yield on their segregated funds.
Fintech use cases
Discover how our fintech clients use Spiko.
Most fintech companies actively manage their cash. With Spiko, you can programmatically access daily yield in EUR, USD, GBP or CHF, with no extra fees and no compromise on liquidity.
Spiko's money market funds comply with European regulations on fund segregation. Our products allow you to generate risk-free returns in euros or dollars on your clients' funds.
Would you like to offer your clients the opportunity to generate returns on their deposits? We offer several partnership options, tailored to your regulatory status and business model.
A straightforward API for seamless integration
Spiko gives you the tools to automate access to daily yield effortlessly.
Our clients' funds are securely held by the world's largest custodian banks
Integrate Spiko in less than a week
The Spiko API allows you to access our products for your own account or distribute them to your clients seamlessly.
Let's discuss your needs.
Dozens of fintech companies already use Spiko. We're available to explore your specific needs. To distribute Spiko's products to your clients, simply sign a distribution agreement.
Get API access to Spiko.
Our API gives you programmatic access to our funds, whether for your own account or for your clients.
Earn interest daily.
Spiko's funds earn interest daily. Interest is calculated and paid the same day through capitalization: your balance therefore increases daily.
You can withdraw all or part of your cash at any time.
You can withdraw your cash and accumulated interest at any time, with no fees. Transfers are instant for amounts up to €500,000 per day. For withdrawals over €500,000, orders placed before 12:25 PM CET will reach your account the next business day.
Your security is our priority
Your cash is backed by the strongest banks in the world. Plus, it is securely held by one of the world's largest custodian banks, a subsidiary of the Crédit Agricole group. Your cash is never held by Spiko.
FAQ
Are the Spiko Money Market Funds eligible for fund segregation purposes?
Yes, the Spiko MMFs are qualified financial instruments for client fund segregation, as outlined in the French Monetary and Financial Code: Art. L522-17 for payment institutions, Art. L526-32 for electronic money institutions, Art. L533-10 for investment firms.
What are the requirements for distributing the Spiko products to my clients?
To directly distribute the Spiko products, which are UCITS, you must be authorized to provide reception and transmission of orders in accordance with MiFID regulations. In France, this requires holding the status of either an investment advisor (CIF) or an investment service provider (PSI).
Where can I find the product’s legal documentation?
You can find the prospectus and the key information document (KID) here.