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Paris, France, 5 October 2026 – Fipto, the modern infrastructure for B2B payments and treasury powered by stablecoins, today announced a partnership with Spiko to let clients put idle balances to work in regulated UCITS funds, from EUR balances and directly from EURC and USDC stablecoin balances. The investment service is provided by Spiko Finance SAS, an investment firm authorised by the ACPR.
Corporate treasurers operating on stablecoin rails hold meaningful working capital in position at all times: buffers for outgoing payment runs, collections awaiting reconciliation, and balances held against settlement obligations. Because stablecoin rails settle in minutes, at any hour and on any day of the week, incoming funds land sooner and then sit for longer, including through nights, weekends and public holidays, when no bank is open to act on them. Until now, putting that cash to work meant moving it off the platform to a bank or an asset manager, fragmenting the treasury view and adding an operational step to every allocation decision.
Fipto’s partnership with Spiko removes that trade-off. The two Spiko T-Bills funds accept subscriptions natively in EURC and USDC, so a Fipto client holding stablecoin balances can allocate them directly. And the weekend is where the economics of short-term cash change: all three Spiko funds accrue every calendar day, so cash placed before the Friday cut-off keeps earning across Saturday and Sunday, with the accrual reflected in each fund’s net asset value when it is published. Orders are executed at each fund’s cut-off on business days, and redemptions return within one to two business days.
The offering is available to Fipto clients across three funds:
* Net annualised yields as at 5 October 2026, €STR benchmark. ** In US dollars, Federal Funds Rate benchmark. Annualised net yield (after fees), before taxes. The rate is not guaranteed and may vary. Current rates are shown on the Fipto yield page.
The stack is regulated end to end. Fipto operates under both a Payment Institution licence (ACPR) and MiCA CASP authorisation (AMF) in France. Spiko Finance SAS is an investment firm authorised by the ACPR, and the funds are UCITS approved by the AMF. Fipto provides the interface, and each client enters into a direct relationship with Spiko Finance SAS, which provides the investment service and receives the orders directly.
Each client is onboarded as a separate Spiko investor and holds its position in its own name, rather than through a pooled account. Fipto never holds the fund shares, and the funds’ assets sit with CACEIS Bank, acting as depositary. The funds are not bank deposits and no deposit guarantee scheme applies.
“Fast stablecoin payment rails combined with yield on idle cash are what the finance of tomorrow looks like to us,” said Patrick Mollard, Co-founder and CEO of Fipto. “Money moves the moment the business needs it, and does not sit still the rest of the time. And because the rails and the allocation run through the same API, the same flow works whether a treasurer triggers it, a rule triggers it, or in time an AI agent does.”
“Fipto’s clients hold precisely the kind of short-term, operational cash that our funds were designed for,” said Paul-Adrien Hyppolite, CEO and co-founder of Spiko. “Distributing our funds through Fipto’s platform places a regulated UCITS one step away from a payment balance, with the same standard of investor protection a treasurer would expect from any regulated investment firm.”
Full details of the offering, the eligible balances and current rates are on the Fipto yield page.
This is a promotional communication. Please refer to the prospectus and the Key Information Document (KID) before making any final subscription decision.
Spiko Euro (eurSAFO) is a share class of the Spiko Amundi Overnight Swap Fund, a sub-fund of Spiko SICAV, a UCITS approved by the Autorité des marchés financiers (AMF) and managed by Twenty First Capital SAS, with asset management delegated to Amundi Asset Management. The Spiko EU T-Bills Money Market Fund (EUTBL) and the Spiko US T-Bills Money Market Fund (USTBL) are UCITS money market funds approved by the AMF and managed by Twenty First Capital SAS. The investment service is provided by Spiko Finance SAS, whose registered office is located at 229 rue Saint-Honoré, 75001 Paris, an investment firm authorised by the Autorité de contrôle prudentiel et de résolution (ACPR) under number CIB 19183, offered in partnership with Fipto. Fipto is not the fund manager and is not your counterparty. Capital is not guaranteed and is at risk.
Costs and fees amount to 0.25% per year, all-in. Fipto receives a commission of up to 0.08% per year from Spiko Finance SAS for introducing clients. Details of all costs are set out in each fund’s prospectus and Key Information Document.
Past performance does not predict future performance.
Foreign exchange risk. You are converting EUR into a USD-denominated fund. Movements in the EUR/USD exchange rate will affect your return, and you may get back less than you allocated.
