Regulated yield for digital asset businesses
Earn yield on your fiat and stablecoins with regulated, tokenized liquidity funds. Available via API or UI.
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Net-of-fees annual rates, accrued and paid daily. Rates may vary over time.
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Use cases
Discover how our clients use Spiko's tokenized fund shares.
Tokenized fund shares are one of the best options for optimizing your treasury allocation, especially if you hold stablecoins and can’t access yield.
From a regulatory and legal standpoint, tokenized shares of money market funds domiciled in the European Union and approved by the French Financial Markets Authority (AMF) as money market UCITS can serve as on-chain reserves for issuers of dollar or euro stablecoins.
Tokenized fund shares can be used as on-chain collateral to secure OTC transactions or with counterparties, such as spot/derivatives trading venues or prime brokers.
On-chain cash management
Tokenized fund shares are one of the best options for optimizing your treasury allocation, especially if you hold stablecoins and can’t access yield.
On-chain reserves for stablecoin issuers
From a regulatory and legal standpoint, tokenized shares of money market funds domiciled in the European Union and approved by the French Financial Markets Authority (AMF) as money market UCITS can serve as on-chain reserves for issuers of dollar or euro stablecoins.
On-chain collateral for borrowers and institutions
Tokenized fund shares can be used as on-chain collateral to secure OTC transactions or with counterparties, such as spot/derivatives trading venues or prime brokers.
Deposit and withdraw in USDC or EURC with zero transaction fees
Subscribe to and redeem fund shares directly in USDC or EURC.
No need for on- or off-ramps.
USDC
Onchain transfer
EURC
Onchain transfer
EUR, USD, GBP
Bank transfer
Deposit
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Earning interest
Daily yield ($, €, or £)
Withdraw
USDC
Onchain transfer
EURC
Onchain transfer
EUR, USD, GBP
Bank transfer
Available on
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Your security is our priority
Your cash 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 there any fees for subscribing or redeeming in USDC or EURC?
No. Subscriptions and redemptions in USDC or EURC are treated in exactly the same way as those in USD or EUR. In general, the only fees associated with using Spiko are the fund management fees. These fees are transparent since the displayed yields are always net of fees.
What is the minimum subscription and redemption amount for the different products?
The minimum amount for subscriptions or redemptions is 1 EUR/EURC, USD/USDC, GBP, or CHF.
Are Spiko funds only available to professional investors?
No, Spiko funds are approved as UCITS and can therefore accept non-professional investors.
Which blockchain networks are available for the settlement of stablecoin subscriptions and redemptions?
You can use Ethereum, Base, and Solana. This list may evolve over time.
Are Spiko funds fiscally transparent for shareholders?
Yes, any applicable taxes (such as corporate tax or capital gains income tax) are those of your country of residence. Spiko funds never withhold taxes.
Is the accounting treatment complex?
No, it is very straightforward since Spiko funds are UCITS designed for cash management. Spiko automatically sends you accounting statements so that there is no complexity on that front.
How long does a stablecoin deposit or withdrawal take?
Your stablecoins are received by the fund at the settlement speed of the blockchain used, among those available. Your deposited funds start accruing interest from the first cut-off following receipt. For redemptions, stablecoins are sent back to your wallet at the same blockchain settlement speed, following the fund's next cut-off after your redemption request is processed.
Can I use my fund shares in DeFi?
Yes, you can use them for example as collateral to take out on-chain loans. Please contact the Spiko team if you are interested in this use case.