Spiko
Spiko is a digital cash management platform that lets businesses and individuals earn daily interest on idle cash by investing in government Treasury Bills. The platform offers full liquidity with no lock-in periods, accounts that open in under five minutes, and tokenized fund shares recorded on blockchain for 24/7 transfers and API-driven automation.
- Financial Technology
- Blockchain & Cryptocurrency
- Software Only
Funding
Raised to date
$120MRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
across 3 rounds
+17$90M · Series B
Announced Oct 2026
Disclosed cumulative: $117M
Founders
Product
Problem
Businesses and individuals across Europe and the US hold trillions of dollars in cash and bank deposits that earn little to no interest, even when central bank policy rates are elevated. Traditional cash management solutions often involve lengthy setup processes, high minimums, or restrictive lock-in periods that sacrifice liquidity for yield.
Solution
Spiko provides a digital platform for cash management that offers daily interest accrual on deposited funds. The service exclusively invests client assets in Treasury Bills (T-Bills) issued by major Eurozone countries or the U.S. Federal Government, providing a low-risk investment vehicle. Users can deposit funds starting from €1,000 and access their capital at any time without incurring fees or penalties, ensuring full liquidity. Spiko's platform is designed for straightforward integration into accounting workflows and treasury management systems, with tokenized fund shares recorded on blockchain infrastructure that enables 24/7 transfers and programmable cash rules via API. The service is regulated under EU law, with funds held by tier-1 depositary banks such as CACEIS and partnered with asset managers like Amundi.
Target Audience
The primary target audience includes startups, SMEs, holding companies, real estate firms, freelancers, fintechs, and individuals seeking to optimize yield on idle cash reserves while maintaining high liquidity.
Features
- Daily interest accrual on cash balances, paid directly to the user's account with yields always shown net of fees
- Exclusive investment in sovereign Treasury Bills (T-Bills) for capital preservation
- Full liquidity with no lock-in periods, allowing instant or standard withdrawals on any business day
- Minimum initial deposit of €1,000, with subsequent transactions starting from €1
- Seamless integration with accounting software, treasury management systems, and financial platforms via API
- Tokenized fund shares recorded on public blockchain, enabling 24/7 transfers and stablecoin funding options
- Regulatory compliance under EU law, with UCITS-approved funds and assets held by regulated custodian banks
- Support for EUR, USD, GBP, and CHF denominated accounts
- Multi-user access controls with 2FA and a 'four-eyes' mode for approving sensitive actions like withdrawals