Spiko is a cash management and treasury placement platform that allocates client cash into short-duration, government-backed money market instruments and distributes KYC-gated tokenized fund shares to provide daily-accrued interest with same-day or next-day liquidity depending on product and settlement rails.
Published Oct 15, 2026
| Aspect | Spiko | Revolut Business Flexible Cash Funds | Wise Business Interest |
|---|---|---|---|
| Starting Price | Platform marketed with no subscription; management fees for fund shares are published by the vendor for core share classes (verify prospectus). | Business plan fees apply; funds are investment products and fees/terms vary by product. | Interest features and fees vary by region/product; pricing examples differ across pages and regions. |
| Best For | EU-based treasuries seeking regulated MMF exposure and tokenized distribution options. | Businesses seeking an integrated banking stack with embedded investment features. | Businesses seeking a payments-first platform with interest features and global account capabilities. |
| Key Strength | Tokenized share distribution and regulated MMF structure combined with on-chain distribution options. | Broad business finance suite including cards, spend, and banking features. | Strong FX and payments capabilities with program-bank mechanics in some regions. |
| Key Weakness | Limited independent end-user review coverage; not a full banking replacement. | Fees and product terms vary by plan; product changes and support sentiment are mixed in community discussions. | Interest feature availability and mechanics vary by region; not tokenization-native. |