Spiko protocol
Overview
Spiko is a European fintech offering tokenised money market funds and cash-management accounts that pay daily interest — a regulated, TradFi-anchored take on tokenised treasuries rather than a DeFi protocol. Its product set covers Smart Cash accounts in EUR, USD, GBP and CHF for day-to-day cash management, Spiko T-Bills government money market funds aimed at regulated activities, and Spiko Cash & Carry for medium-term cash strategies. Regulatory standing is central to its pitch: Spiko Finance is licensed as an investment firm by France's ACPR, is MiFID-authorised for brokerage, has its flagship products approved as UCITS by the French authorities, and is registered with ORIAS as a banking and payment-services intermediary. Client money is not held by Spiko itself — the site states that 'All client funds are held by our banking partner, CACEIS Bank (a subsidiary of the Crédit Agricole group), in full compliance with current legislation.' The company reports serving thousands of businesses and publishes fund data on an open dashboard at data.spiko.io. Press coverage referenced on its site mentions backing from Index Ventures and involvement from Revolut's CEO. Spiko has grown through 2024–2026, with client testimonials on its site dating from 2024 onward, expanding from euro products into a multi-currency (EUR/USD/GBP/CHF) Smart Cash range under UCITS and MiFID authorisations.
Within the DeFi Intel graph, Spiko connects to 8 tracked entities, most strongly to Ethereum, Arbitrum, Base.
Relations
Top connections in the DeFi Intel knowledge graph (confidence-weighted, 8 of 8 total).
| Relation | Connected entity | Confidence |
|---|---|---|
deployed_on | Ethereum | 95% |
deployed_on | Arbitrum | 95% |
deployed_on | Base | 95% |
deployed_on | Polygon | 95% |
deployed_on | Starknet | 95% |
deployed_on | Stellar | 95% |
deployed_on | Etherlink | 95% |
audited_by | OpenZeppelin | 55% |
Frequently asked questions
What is Spiko?
Spiko is a rwa tracked in the DeFi Intel knowledge graph. It is connected to 8 other tracked entities, most strongly to Ethereum, Arbitrum, Base.
What type of entity is Spiko?
Spiko is classified as a rwa (protocol) in the DeFi Intel knowledge graph.
What is Spiko connected to?
In the DeFi Intel knowledge graph, Spiko is linked to 8 other tracked entities, most strongly to Ethereum, Arbitrum, Base.
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