Fipto is adding a new layer to its stablecoin treasury offering that could make idle payment balances more useful for businesses. The company is partnering with investment firm Spiko to let corporate treasurers invest unused EUR, EURC and USDC balances without first moving the money to a separate bank or asset manager.
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Paris-based Fipto, a regulated infrastructure provider for B2B payments and treasury, announced the partnership with Spiko on 5 October 2026. The service allows Fipto clients to allocate idle balances directly into regulated UCITS funds while continuing to manage their payments and treasury activity through Fipto.
The concept is focused on addressing an operational challenge that comes with the 24/7 stablecoin payments transactions. Companies are obliged to have some funds stashed away for making payments to their suppliers, collections and other settlement obligations, but those funds might remain idle during weekends, overnight or on holidays. Since stablecoins have the capacity for transactions at any time, payments can arrive earlier and probably sit idle for longer.
What has been done before is that in order to utilize those funds, the company had to channel them into a bank or investment fund. Fipto and Spiko are instead bringing the investment step into the same infrastructure used for payments.
Three funds available to Fipto clients
The offering currently covers three Spiko funds.
The Spiko EU T-Bills Money Market Fund (EUTBL) is a UCITS money market fund available from EUR and EURC balances. Its net annualised yield is 2.09% in EUR as of 5 October 2026, based on the €STR benchmark.
The Spiko US T-Bills Money Market Fund (USTBL) is available from USDC balances and invests in US Treasury bills. Its annualised net yield is 3.37% in US dollars as of today, based on the Federal Funds Rate benchmark.
The third option is the Spiko Amundi Overnight Swap Fund, EUR class, available from EUR balances. Its net annualised yield is 2.84% in EUR as of now.
The funds accrue every calendar day, meaning balances invested before the Friday cut-off continue to accrue over the weekend. Orders are executed at each fund’s cut-off on business days, while redemptions are expected to return within one to two business days.
That also highlights one limitation of the service. The funds are designed for short-term cash management rather than instant payment liquidity. Money invested in the funds is not immediately available for a payment, and the products are not bank deposits. They are also not covered by a deposit guarantee scheme.
The investment service is provided by Spiko Finance SAS, an investment firm authorised by France’s ACPR. Fipto operates under a French Payment Institution licence and MiCA CASP authorisation. The funds are UCITS-approved by the French financial regulator, AMF.
Each customer becomes a separate Spiko investor and holds the investment in its own name. Fipto does not hold the fund shares, while CACEIS Bank acts as depositary for the funds.
No additional geographic expansion or specific future funds were announced as part of the partnership.
“Fast stablecoin payment rails combined with yield on idle cash are what the finance of tomorrow looks like to us,” said Patrick Mollard, Co-founder and CEO of Fipto. “Money moves the moment the business needs it, and does not sit still the rest of the time. And because the rails and the allocation run through the same API, the same flow works whether a treasurer triggers it, a rule triggers it, or in time an AI agent does.”
Paul-Adrien Hyppolite, CEO and co-founder of Spiko, commented: “Fipto’s clients hold precisely the kind of short-term, operational cash that our funds were designed for. Distributing our funds through Fipto’s platform places a regulated UCITS one step away from a payment balance, with the same standard of investor protection a treasurer would expect from any regulated investment firm.”
Stablecoins in corporate treasury
Stablecoins increasingly move beyond crypto trading into payments, settlement and corporate treasury. McKinsey’s 2026 Global Payments Report says stablecoin payment infrastructure is focusing on wholesale corporate settlement and corporate liquidity management.
The size of the stablecoin market also creates a significant pool of capital that can potentially be used for treasury purposes. A July 2026 analysis from Citizens estimated total stablecoin supply at about $295 billion, with roughly $170 billion in US Treasury exposure.
Fipto’s stablecoin treasury infrastructure
The Spiko partnership is part of a broader push by Fipto to connect stablecoin payments with existing corporate treasury workflows.
In June, Fipto and Kyriba announced live stablecoin treasury deployments at Ledger and Mantu. The companies use Fipto’s rails inside Kyriba for supplier payments and intercompany transfers, with transactions reconciled through the treasury management system. Fipto said some cross-border payments that previously took two to five business days could settle within minutes.
In September, Fipto also integrated with Circle Payments Network to support more diverse stablecoin-funded fiat payouts from Europe to seven markets across Latin America and Asia. The company said the new corridors include Brazil, Mexico, Colombia, Singapore, Hong Kong, the Philippines and China.
The company has also expanded into stablecoin settlement for institutional fund subscriptions and automated treasury flows, suggesting that its strategy is moving beyond simply using stablecoins to send money. Instead, Fipto is building infrastructure around how businesses hold, move and allocate funds across the corporate treasury cycle. In our recent interview, Patrick Mollard, Co-Founder & CEO of Fipto, explained why stablecoins could become a genuine payment rail, where they actually outperform existing systems, and what could stand in their way.
