What it sells
Tokenized government money-market funds (Spiko Euro, Dollar, Pound, Swiss Franc, T-Bills, Cash & Carry) giving businesses and individuals yield on cash.
Business model breakdown
Buyer: who owns the budget?
CFO/finance lead or founder at startups, holding companies, SMEs, fintechs, crypto-native firms and real-estate companies; also freelancers and individuals who hold idle cash.
Trigger: what makes them buy now?
Corporate cash sits in current accounts earning 0% while term deposits lock cash for over a month; Spiko offers daily yield (shown EUR 1.60-2.20%, USD 3.00-3.60% net) with no lock-up and T+1 withdrawal.
Workflow: what inputs become what output?
Customer holds day-to-day treasury or segregated client funds in Spiko regulated cash funds, via app/API, instead of idle bank balances.
Economics: what it saves and how it charges
Yields shown are net of fees, so Spiko earns a fee embedded in the fund/product yield rather than a subscription; page states no withdrawal fees and no service or subscription costs.
Distribution: how it reaches customers
Self-serve sign-up plus API and embedding by financial platforms.
Funding history and coverage
| Round date | Stage | Amount | Investors | Source |
|---|---|---|---|---|
| 2026-10-06 | Series B | $90M | Index Ventures, Speedinvest | sifted.eu |
Profiles summarize public reporting and company websites. Business-model notes are MaxBC's reading of that material, not confirmed facts; unknowns are left blank rather than guessed. Updated 2026-10-13.