Spiko announced a $90 million Series B on October 6, 2026, led by New Enterprise Associates (NEA). The company says it will use the funding to develop new products, enter additional markets and expand its team. The round is a financing milestone for a provider of regulated cash funds that customers access digitally and financial firms can offer through an API.
Who invested in Spiko’s Series B?
NEA led the $90 million round, according to Spiko’s announcement. The Block reported that Index Ventures, Bpifrance, Speedinvest and Wintermute Ventures also participated. Spiko’s announcement identifies NEA as the lead; the other investors are reported by The Block.
The Block said the new round brings Spiko’s cumulative funding to $120 million. That is a reported financing total, not a measure of assets held in its funds.
What does Spiko do?
Spiko designs and distributes regulated cash funds. Customers can use the company’s web and mobile apps, and financial companies can embed access through an API, according to Spiko. The currencies reported for its funds include euros, U.S. dollars, pounds sterling and Swiss francs.
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Tokenization represents fund interests on a blockchain. It can provide digital recordkeeping and make fund access easier to integrate into software-based financial workflows, but it does not by itself establish a fund’s safety, liquidity, legal protections or suitability for a particular investor.
What earlier fund materials describe
A September 18, 2024 presentation hosted by the European Central Bank described Spiko EU T-Bills and US T-Bills money market funds. It said the euro fund invested in euro-denominated government bonds and money-market instruments, and the U.S. fund in U.S. government instruments; it listed Ethereum and Polygon as launch blockchains. These are historical descriptions, not confirmation of the funds’ current structure, availability or supported networks. Investors should consult current fund documents for those details.
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Regulation and custody
Spiko says Spiko Finance is licensed by France’s ACPR as an investment firm and that client funds are held by CACEIS Bank, rather than Spiko. Those are company statements. They should not be taken as a fund-specific description of custody, investor protection or eligibility: those details depend on the current documentation for the specific fund and investor’s jurisdiction.
How much has Spiko raised, and how large is its business?
The Block reported that Spiko had $2.7 billion in assets under management and more than 10,000 business and individual users across more than 25 jurisdictions at the time of the announcement. These are company-reported operating figures relayed by The Block, not independently audited metrics. Assets under management are not the same as company revenue, cash raised or investor returns.
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Where does Spiko plan to expand?
Spiko says the Series B will support new products, entry into additional markets and team growth. The Block reported that the company plans local operations in Germany, Italy, Spain, the Netherlands and the Nordic countries. The announcement describes intended expansion; it does not establish that services are already available in every market or that every fund is open to local investors.
What tokenized cash funds can—and cannot—change
The ECB-hosted 2024 presentation identified possible advantages of tokenized funds, including lower entry thresholds, greater transparency and operational efficiencies. These are potential or product-specific benefits, not guaranteed outcomes for every fund or investor.
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- Easy to Carry: Cash Envelope Money Clip's Compact and Lightweight Design Makes it Easy to Slip Into your Bag or Pocket. When you are out and About, you Won't Lose your Cards, Cash and Other Items that can be Easily Kept and They Become Organized.
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The same presentation pointed to practical constraints: interoperability gaps between systems, evolving technology, limited market confidence and different national regulations. A blockchain record does not remove the need to understand a fund’s assets, fees, redemption terms, eligibility rules, custody arrangements and legal structure.
Spiko’s blog index lists a September 20, 2026 post stating that S&P Global Ratings assigned Smart Cash Euro a AAAf fund credit quality rating and an S1+ fund volatility rating. These ratings apply to Smart Cash Euro specifically; they are not a guarantee of future performance and do not apply automatically to Spiko’s other funds.
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What the funding means for customers
The raise gives Spiko capital to pursue the product and geographic expansion it has announced. For customers, the near-term significance will depend on which new funds and markets actually launch, and on their terms. Anyone considering a fund should review its current offering documents and confirm availability and eligibility in their country rather than infer them from the company’s expansion plans or financing announcement.
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