卖什么
Tokenized government money-market funds (Spiko Euro, Dollar, Pound, Swiss Franc, T-Bills, Cash & Carry) giving businesses and individuals yield on cash.
商业模式拆解
买家：谁掌握预算？
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.
触发点：什么让他们现在购买？
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.
工作流：什么输入变成什么输出？
Customer holds day-to-day treasury or segregated client funds in Spiko regulated cash funds, via app/API, instead of idle bank balances.
经济账：省了什么，怎么收费？
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.
渠道：怎么接触到客户？
Self-serve sign-up plus API and embedding by financial platforms.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| 2026-10-06 | B 轮 | $90M | Index Ventures, Speedinvest | sifted.eu |
档案汇总自公开报道和公司官网。商业模式部分是 MaxBC 对这些材料的解读，不是已确认的事实；未知之处留空，不作猜测。 更新于 2026-10-13.