Spiko Connects EU-Regulated T-Bill Funds to Coinbase Stablecoin Network
Spiko has integrated Coinbase Payments into two EU-regulated UCITS Treasury funds, letting investors use USDC and EURC for subscriptions and redemptions.
European fintech firm Spiko has linked its two EU-regulated UCITS Treasury funds directly to Coinbase's stablecoin payment infrastructure, marking a significant step toward bridging traditional regulated investment vehicles with blockchain-based settlement. The integration allows investors to subscribe to and redeem from the funds using USDC and EURC stablecoins, processed through Coinbase's Base network.
The move positions Spiko at the intersection of two rapidly converging worlds: the tightly regulated European fund management landscape governed by UCITS rules, and the fast-growing stablecoin payment ecosystem championed by Coinbase. By accepting USDC — the dollar-pegged stablecoin — alongside EURC, its euro-denominated counterpart, Spiko is catering to a broad range of crypto-native investors who prefer to transact without converting back to traditional bank rails.
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The use of Base, Coinbase's Ethereum layer-2 network, as the settlement layer is notable. Base has been positioned as a low-cost, high-speed blockchain designed for institutional and consumer payment flows, making it a logical choice for a fund manager seeking efficient on-chain transaction processing. The integration signals growing institutional appetite for stablecoin-denominated fund operations within a compliant regulatory framework.
For the broader European asset management industry, Spiko's move could serve as a proof-of-concept that UCITS-compliant funds — long associated with strict liquidity, custody, and reporting requirements — can accommodate crypto payment rails without sacrificing regulatory standing. Analysts and competitors will likely watch closely to see whether this model gains traction among other EU fund operators exploring digital asset infrastructure.
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