# Spiko

> Track Spiko's TVL with daily on-chain data across 7 chains. Compare Spiko with other real-world asset (RWA) issuers. See charts and datasets in one place.

Source: [Spiko on Token Terminal](https://tokenterminal.com/explorer/projects/spiko). This page has no metric values. For current values, use the [Token Terminal API](https://tokenterminal.com/docs/api-reference/introduction) or the [MCP server](https://tokenterminal.com/docs/mcp/introduction).

- Sectors: Real-world asset (RWA) issuers
- Chains: arbitrum, base, ethereum, polygon, solana, starknet, stellar

## About

### What it is

Spiko offers daily interest-earning accounts in EUR, USD, and GBP that invest exclusively in government Treasury Bills, providing risk-free returns with complete liquidity and no lock-up periods. The platform serves various use cases from startup treasury management to Web3 applications, offering both traditional fiat access and on-chain integration for blockchain-based yield generation. Their products include API access for fintech integration and Web3 solutions that enable on-chain access to traditional money market fund returns.

### Who uses it

Spiko is a regulated financial technology platform that provides seamless access to risk-free interest rates through money market funds backed by Treasury Bills. The company operates under EU law with French Financial Markets Authority (AMF) approval and custody services provided by Crédit Agricole.

### How it works

The platform operates by pooling user deposits into regulated money market funds that exclusively invest in Treasury Bills from major Eurozone countries and the U.S. Federal Government, with daily interest payments and instant withdrawal capabilities. Spiko generates revenue through management fees while maintaining regulatory compliance and institutional-grade custody, offering API integrations for businesses and Web3 protocols seeking to provide risk-free yield on stablecoins and fiat currencies. The minimum initial deposit is €1,000 or $1,000 USD, with subsequent transactions starting from €1 or $1 USD.

## Metrics

Token Terminal tracks these metrics for Spiko daily. Each page has a chart with the full history.

- [Total value locked](https://tokenterminal.com/explorer/projects/spiko/metrics/tvl)
- [Capital deployed](https://tokenterminal.com/explorer/projects/spiko/metrics/capital-deployed)
- [Active addresses (daily)](https://tokenterminal.com/explorer/projects/spiko/metrics/active-addresses-daily)
- [Active addresses (weekly)](https://tokenterminal.com/explorer/projects/spiko/metrics/active-addresses-weekly)
- [Active addresses (monthly)](https://tokenterminal.com/explorer/projects/spiko/metrics/active-addresses-monthly)
- [Transaction count (contracts)](https://tokenterminal.com/explorer/projects/spiko/metrics/transaction-count-contracts)
- [Gas used](https://tokenterminal.com/explorer/projects/spiko/metrics/gas-used)

## Links

- [twitter](https://twitter.com/spiko_finance)
- [website](https://www.spiko.io)