Spiko

Spiko offers cash accounts that earn daily yield, backed by UCITS money market funds invested in Treasury bills. Its app supports multiple access levels, 2FA and an optional four-eyes approval mode for withdrawals. Custody is with CACEIS and the fund units are tokenized on public blockchain networks.

The site says Spiko serves CFOs, entrepreneurs, startups, SMEs, holdings, fintechs, crypto and real estate firms, as well as freelancers and individuals. It states that accounts are free and that yields are shown net of fees, with the banking counterparty accruing interest. Spiko is a MiFID investment firm licensed by the French ACPR and AMF.

Spiko was founded in June 2023 in Paris by Paul-Adrien Hyppolite and Antoine Michon. The website reports a $22M Series A led by Index Ventures in July 2025 and a team of 50+ people. Open roles are listed in Paris and London across engineering, sales, legal and compliance, customer success, finance and marketing.

Product: Spiko Money Market Funds (UCITS invested in T-Bills) and a cash account app offering daily yield, daily liquidity and instant or standard withdrawals.