Spiko

New on our tech blog 🤓 We've recently brought Spiko's tokenized funds to Solana, one of the industry's highest-throughput networks. Making a regulated fund behave correctly here required a different way of thinking. On EVM, we write our own token contract and compliance runs as code on every transfer. On Solana, there's no contract to write at all: you compose the token from Token-2022's standard extensions. Compliance becomes state: an account is frozen by default, and can only transfer once it's been cleared by an allowlist check. Nicolas, Tech Lead at Spiko, walks through the full breakdown on our blog: https://lnkd.in/ehM_zFhM

Spiko is now live inside Ramify, the digital alternative to private banking. Ramify users can now earn 2.51% net¹ on their euros, with interest accruing daily, without leaving the app. Powered by the 𝐒𝐩𝐢𝐤𝐨 𝐀𝐏𝐈. ¹ As of 9 July 2026, via Spiko Smart Cash. Rate varies with €STR.

Founders keep asking me the same thing: what should we do with the cash our customers hold? Can we offer them yield? Until now, my honest answer was: it's hard. You'd need a MiFID license, fund partnerships, and years of compliance build-out. Today the answer changes. 𝐒𝐩𝐢𝐤𝐨 𝐄𝐦𝐛𝐞𝐝𝐝𝐞𝐝 is live. Our conviction is simple: yield shouldn't only be accessible in a separate app. It should be available wherever idle cash sits and wherever people already make their financial decisions. With Spiko Embedded, any platform can offer our regulated cash products natively: 💰 Top-of-market yield 📱 Your app, your brand, your UX 🏛️ Backed by our license, fund operations and infrastructure ⚡ Live in weeks, not years Demand is already proven: over €500m of our AUM – a quarter of the total – already comes through distribution partners. Embedded makes that available to everyone, through a single integration. I'm especially excited about who's leading it: we brought Xenia Boulamatsis onboard to head our embedded product. At Trade Republic, she built the savings and cash business, launching leading yield offer and bringing it to over 10 million users across Europe. She knows better than almost anyone what happens when you put great cash products where people already are. That's exactly what we're building together at Spiko. Welcome, Xenia! We're lucky to have you. And if your customers hold idle cash on your platform, let's talk!

Spiko just crossed $2.0B in assets under management. It took us 18 months to reach the first $1.0B, and just 4 months to reach the second. Powered by growing demand across France, Spain, and beyond. On to the next one 🚀

June in numbers: €1.71B AUM, +3,464 new users, €3.2M in interest accrued. Double digit user growth across 6 European markets, with Spain 🇪🇸 leading the way. France 🇫🇷, Belgium 🇧🇪, UK 🇬🇧, Netherlands 🇳🇱, and Germany 🇩🇪 close behind. European businesses are choosing Spiko.

We're partnering with Spiko for instant stablecoin entry and exit in European UCITS funds. Any time, any day of the week. Finance should be 24/7, and Coinbase Payments is building the infrastructure for it.

Spiko now accepts stablecoins, in partnership with Coinbase. For too long, stablecoin holders have been forced into an inefficient trade-off: • Hold and earn nothing, like most bank deposits • Off-ramp into fiat at prohibitive cost • Deploy into DeFi and accept rate volatility, smart contract risk, and accounting headache. Today, we’re ending that trade-off. We’ve integrated stablecoin payment rails directly into regulated, UCITS-approved money market funds. USDC and EURC flow straight into the funds: no intermediaries, no off-ramps, no added counterparty exposure. A European first and, to the best of our knowledge, a global first for regulated retail products. This matters beyond the product itself. We believe stablecoin adoption will accelerate significantly in the coming years, driven by their emergence as a faster, cheaper alternative to correspondent banking for international transfers. We want to be ready for that shift before it arrives at scale. Starting this week, Spiko users can subscribe to and redeem fund shares using USDC and EURC. The feature is initially available to legal entities, with retail access coming soon. Joint press release with Coinbase in the comments 👇

We’re live inside Bitstack, Europe’s #1 Bitcoin savings app. 350,000 users can now earn 2.51% net on their euros, without leaving their favourite app. Powered by the Spiko API.

Last week was Spiko's 5th offsite 🙌 This time we headed to Honfleur, Normandy. A breath of fresh air before the heat wave. The team doubled in H1 and is now spread across 7 nationalities (with more to come). Every offsite, the table looks a little different. We love it. The next one is already on the calendar for December. Can't wait to see what the team will look like by then. We're hiring across every function in London and Paris. Open positions in the comments 👇