Fintech/Payments
Web3/Crypto

Spiko

Regulated tokenized cash-management products

CORE INFO

$90M
Total Funding
Series B
Round
2023
Founded
50+
Team Size
Paris, France
Headquarters

Spiko provides regulated money-market and treasury products for businesses, individuals, banks, fintechs, and wealth platforms. The products invest primarily in short-term government debt, while blockchain-based records handle ownership and transfers, helping customers manage liquid cash and earn returns.

  • Series B: $90 million led by New Enterprise Associates and announced on October 6, 2026; Bloomberg reported a valuation of $800 million following the round.bloomberg.com
  • Customer scale: More than 10,000 businesses and individuals across 25-plus jurisdictions, with approximately $2.7 billion in assets under management, according to The Block's Series B coverage.theblock.co
  • Bloomberg covered Spiko's expansion of tokenized cash products as it raised its latest round and took on U.S. market incumbents.bloomberg.com

WHY WE WOULD WORK AT SPIKO

Modernize Cash Management

Help make idle cash productive through regulated tokenized money-market and treasury products—not speculative crypto. Spiko's mission puts better yield, liquidity, and access to financial infrastructure at the center.

Build Global Finance

Work on products already serving customers across 25+ jurisdictions, with operations spanning Paris and London. Spiko is expanding into Germany, Italy, Spain, the Netherlands, and the Nordics.

Shape Financial Infrastructure

Build with public blockchains, smart contracts, stablecoin rails, APIs, and on-chain reporting across Ethereum, Arbitrum, Stellar, and Chainlink. Your work can change how financial instruments are issued, transferred, and distributed.

Join Proven Momentum

Spiko has reached approximately $2.7 billion in assets under management and more than 10,000 customers. Its $90 million Series B, led by NEA, gives the team significant momentum for the next stage.

Own Meaningful Work

Every employee is a shareholder, with autonomy and an expectation to take meaningful ownership. The culture values humility, transparency, measurable performance, and decisions grounded in analysis.

Make Innovation Trustworthy

Help bring blockchain innovation into regulated finance, with products supervised under French and EU financial regulation. Partnerships with Amundi, CACEIS, Memo Bank, and other financial platforms connect your work to real institutional use cases.

MARKET AND TRACTION

KEY METRICS

✦ KEY METRIC
  • Spiko has reported approximately $2.7 billion in assets under management and more than 10,000 customers across 25-plus jurisdictions.

  • The company has raised a $90 million Series B led by New Enterprise Associates and has a team of 50-plus employees.

  • Spiko reported more than $900 million in working capital processed for over 1,000 businesses as of July 2025.
  • NOTABLE CUSTOMERS

  • Publicly identified customers, partners, and distributors include Bpifrance, Memo Bank, Fygr, Ramify, Bitstack, and Conquest.

  • Amundi serves as the delegated investment manager for the Spiko Amundi Overnight Swap Fund, while CACEIS provides custody, depositary, and/or fund-administration services for relevant products.
  • GROWTH TACTICS

  • Spiko is expanding through APIs and embedded distribution, allowing banks, fintechs, wealth platforms, and other distributors to integrate its treasury products.

  • The company is broadening its product range across euro, dollar, and pound treasury products, cash-and-carry strategies, and Smart Cash offerings, while pursuing expansion into additional European markets.
  • COMPETITIVE ADVANTAGE

  • Spiko combines regulated investment products with tokenized ownership registries, smart contracts, stablecoin rails, and on-chain reporting across networks including Ethereum, Arbitrum, Stellar, and Chainlink.

  • Its funds primarily invest in short-term government debt and are explicitly positioned as regulated money-market and treasury products rather than cryptocurrency funds.
  • MARKET POSITION

  • Spiko describes its products as among the first EU-approved tokenized money-market funds and operates as a regulated investment firm, fund distributor, transfer agent, and tokenization infrastructure provider.

  • The company serves corporate treasury, financial services, fintech, banking, asset-management, investment-platform, digital-asset, startup, SME, nonprofit, and individual customer segments.
  • PRODUCT AND TECH

    Tokenized Money-Market Funds

    Spiko issues regulated money-market and treasury products invested primarily in short-term government debt, including Eurozone, U.S., and U.K. Treasury bills. Blockchain-based ownership records represent fund shares without direct exposure to cryptocurrencies such as bitcoin or ether.

    Cash-Management Application

    Spiko's application enables businesses, institutions, and individuals to manage liquid balances, deposit and withdraw funds, and access daily-yield treasury products. It brings regulated cash management to customers that may not have traditional institutional treasury infrastructure.

    Embedded Distribution APIs

    Spiko provides APIs that let banks, fintechs, wealth platforms, and other distributors embed its treasury products into their own applications. This supports programmatic access and white-label distribution through partners such as Memo Bank, Fygr, and Ramify.

    Tokenization Infrastructure

    Spiko provides transfer-agent and tokenization services for regulated funds, managing digital ownership registries while regulated managers, custodians, administrators, and auditors perform their respective roles. Smart contracts support controlled transfers and on-chain reporting.

    Blockchain Settlement Rails

    Spiko uses public blockchains and stablecoin rails—including Ethereum, Arbitrum, Stellar, Chainlink, EURC, and USDC—for shareholder registries, NAV reporting, interoperability, and deposits or withdrawals. These technologies improve transferability, auditability, and settlement while remaining within regulated fund structures.

    COMPANY CULTURE

    Values

  • Humility and continuous learning

  • Transparency and open information flow

  • Performance and measurable impact

  • Empowerment through autonomy and ownership

  • Analytical, data-informed decision-making
  • Operating Principles

  • No-ego collaboration and openness to feedback

  • Work openly by default

  • Support decisions with data rather than opinion

  • Act in Spiko's best interests

  • Take meaningful ownership of outcomes
  • Work Style

  • Mission-driven fintech environment

  • Cross-functional work across finance, technology, legal, and compliance

  • High ownership in a regulated, fast-growing company

  • International perspective across Paris and London
  • Team

  • 50+ team members

  • More than 10 nationalities

  • Founded by former public-sector, finance, and technology professionals

  • Employee shareholders with a focus on shared success