Fipto Partnered With Spiko to Offer Money Market Funds
Corporate clients can now access yield-bearing money market funds directly through the Fipto treasury platform.
Updated on Oct. 12, 2026 in Financial Services
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Fipto has partnered with investment firm Spiko Finance SAS to provide corporate clients access to UCITS money market funds. The service allows businesses to earn yield on idle stablecoin balances using the Fipto B2B payments and treasury platform.
Why it matters
This arrangement bridges the gap between 24/7 stablecoin settlement and traditional cash management products. By providing a pathway for corporate assets to earn interest, it addresses the challenge of managing liquidity for firms holding digital currencies.
The partnership offers access to three funds, with net annualised yields of 2.09% for the EUTBL fund, 3.37% for the USTBL fund, and 2.84% for the Spiko Amundi fund. These funds earn interest daily, though assets do not carry deposit guarantee protection.
The players
Fipto
Fipto is a B2B payments and treasury platform that holds a Payment Institution licence from the ACPR and MiCA CASP authorisation from the AMF.
Spiko Finance SAS
Spiko Finance SAS is an investment firm authorised by the ACPR that specializes in providing access to UCITS-approved money market funds.
CACEIS Bank
CACEIS Bank is an asset servicing banking group that provides custody services for institutional clients and investment funds.
The details
Clients hold fund shares in their own names rather than through pooled accounts, with custody provided by CACEIS Bank. Funds accept euros, EURC, or USDC, and redemptions are processed within one to two business days.
Timeline
The partnership was officially announced on October 5, 2026.
Market Landscape
This partnership accelerates the institutional adoption of stablecoins by integrating traditional regulated investment vehicles into digital treasury management. It positions Fipto to compete directly with traditional banking platforms by offering yield-generating capabilities for corporate digital assets.
Corporate clients can now transition from holding non-interest-bearing stablecoins to earning yield through regulated money market instruments. Users should note that these investments lack deposit guarantee protection and require one to two business days for redemptions.
The takeaway
Businesses looking to optimize idle cash reserves now have a regulated pathway to integrate digital currency holdings into yield-bearing strategies. However, corporate treasurers must weigh the provided returns against the liquidity constraints inherent in a one to two-day redemption window.
Further reading
Learn more about the evolving landscape of Financial Services.
Source note: This article includes information reported by The Fintech Times.
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