# Spiko

**Canonical:** https://apis.io/providers/spiko/  
**Website:** https://spiko.io  
**APIs profiled:** 27

Spiko is a European fintech and MiFID-authorized investment firm (ACPR license #19183) offering regulated daily treasury management through tokenized, UCITS-approved government money market funds and multi-currency cash accounts (EUR, USD, GBP, CHF). Businesses and individuals earn the risk-free rate on idle cash while keeping daily liquidity; client funds are custodied by CACEIS Bank and Spiko itself holds no client funds. Spiko exposes three developer APIs: an open Public API for fund, share-class, NAV, yield, and exchange-rate data; an Investor API for direct clients and partners to manage accounts and deposit/withdrawal/transfer orders; and a Distributor API for partners to onboard investors, manage accounts and orders, and receive webhook events.

## Kin Score — 55.1 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 55.1).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 65.3 |
| Governance | 20.8 |
| Operational Transparency | 21.1 |
| Developer Ergonomics | 62.5 |
| Commercial Clarity | 52.6 |

Regulatory layer — **Payments**: 62.5 (matched via tags).

## Agent readiness — 48.0 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | verified |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (27)

- **Spiko Account transactions API** — The Account transactions API from Spiko — 2 operation(s) for account transactions.
- **Spiko Accounting positions API** — The Accounting positions API from Spiko — 5 operation(s) for accounting positions.
- **Spiko Accounts API** — The Accounts API from Spiko — 7 operation(s) for accounts.
- **Spiko Bank accounts API** — The Bank accounts API from Spiko — 5 operation(s) for bank accounts.
- **Spiko Deposit orders API** — The Deposit orders API from Spiko — 8 operation(s) for deposit orders.
- **Spiko Distributor investor contracts API** — The Distributor investor contracts API from Spiko — 4 operation(s) for distributor investor contracts.
- **Spiko Distributors API** — The Distributors API from Spiko — 2 operation(s) for distributors.
- **Spiko Exchange Rates API** — The Exchange Rates API from Spiko — 2 operation(s) for exchange rates.
- **Spiko Fund Assets API** — The Fund Assets API from Spiko — 1 operation(s) for fund assets.
- **Spiko Funds API** — The Funds API from Spiko — 2 operation(s) for funds.
- **Spiko Index Values API** — The Index Values API from Spiko — 2 operation(s) for index values.
- **Spiko Investor Documents API** — The Investor Documents API from Spiko — 2 operation(s) for investor documents.
- **Spiko Investor tokens API** — The Investor tokens API from Spiko — 1 operation(s) for investor tokens.
- **Spiko Investors API** — The Investors API from Spiko — 5 operation(s) for investors.
- **Spiko Net Asset Values API** — The Net Asset Values API from Spiko — 3 operation(s) for net asset values.
- **Spiko Portfolio API** — The Portfolio API from Spiko — 2 operation(s) for portfolio.
- **Spiko Portfolios API** — The Portfolios API from Spiko — 1 operation(s) for portfolios.
- **Spiko Redemption Orders (deprecated) API** — The Redemption Orders (deprecated) API from Spiko — 3 operation(s) for redemption orders (deprecated).
- **Spiko Share Classes API** — The Share Classes API from Spiko — 5 operation(s) for share classes.
- **Spiko Subscription Orders (deprecated) API** — The Subscription Orders (deprecated) API from Spiko — 3 operation(s) for subscription orders (deprecated).
- **Spiko Transfer Orders API** — The Transfer Orders API from Spiko — 2 operation(s) for transfer orders.
- **Spiko Users API** — The Users API from Spiko — 6 operation(s) for users.
- **Spiko Wallets API** — The Wallets API from Spiko — 1 operation(s) for wallets.
- **Spiko Webhook Configurations API** — The Webhook Configurations API from Spiko — 5 operation(s) for webhook configurations.
- **Spiko Webhook Events API** — The Webhook Events API from Spiko — 1 operation(s) for webhook events.
- **Spiko Withdrawal orders API** — The Withdrawal orders API from Spiko — 7 operation(s) for withdrawal orders.
- **Spiko Yields API** — The Yields API from Spiko — 3 operation(s) for yields.

## MCP servers (1)

- **spiko-mcp.yml**

## Agentic access (1)

- **Spiko Agentic Access** — 107 operations · 36 acting · 1 human-in-the-loop

## Security (2)

- **Spiko Authentication** — http/oauth2 · 2 schemes
- **Spiko Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Company, Fintech, Money Market Funds, Treasury Management, Tokenization, Cash Management, Payments, Webhooks

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/spiko/). Scores are computed from the provider's own public artifacts under a published rubric.