Spiko Integrates Coinbase Payments Into EU-Regulated Treasury Funds via Base Network
Paris-based fintech startup Spiko has taken a significant step in bridging traditional finance with decentralized infrastructure by integrating Coinbase Payments into its two EU-regulated UCITS Treasury funds. The move enables investors to subscribe and redeem fund positions using USDC and EURC stablecoins, with all transactions processed through Base, Coinbase's Layer 2 blockchain network.
This integration marks a notable development in the growing trend of tokenized real-world assets, particularly as regulatory clarity in Europe continues to evolve. Spiko's Treasury funds operate under the UCITS framework — one of the most recognized and trusted regulatory structures in the European Union — giving institutional and retail investors alike a compliant entry point into on-chain financial products.
By connecting EU-regulated T-bill funds to Coinbase's stablecoin payment rails, Spiko is effectively allowing users to move in and out of government-backed Treasury instruments using digital dollars and digital euros. USDC, issued by Circle, is pegged to the US dollar, while EURC serves as the euro-denominated counterpart, providing European investors with a native currency option that avoids foreign exchange friction.
The choice of Base as the settlement layer is strategically significant. As a low-cost, high-speed Ethereum Layer 2 developed by Coinbase, Base offers the scalability required for financial applications while maintaining compatibility with the broader Ethereum ecosystem. This positions Spiko's products at the intersection of regulated asset management and cutting-edge blockchain infrastructure.
The integration reflects a broader industry push to make regulated investment vehicles accessible through crypto-native payment methods. Rather than requiring traditional bank wire transfers or legacy payment systems, investors can now interact with EU-compliant Treasury funds directly through stablecoin transactions — a workflow that is faster, more transparent, and available around the clock.
Spiko's approach could serve as a template for other asset managers looking to tap into the growing stablecoin user base without sacrificing regulatory compliance. As the EU's MiCA regulation continues to roll out, solutions that blend UCITS-grade oversight with blockchain efficiency are likely to attract increasing attention from both investors and regulators.
This partnership between Spiko and Coinbase underscores the accelerating convergence of traditional finance and decentralized technology, suggesting that regulated, tokenized fund products may soon become a mainstream offering in European capital markets.
