Spiko Connects EU T-Bill Funds to Coinbase Stablecoin Rails
Spiko has integrated Coinbase Payments into two EU-regulated UCITS Treasury funds, letting investors use USDC and EURC on Base.
If you've been waiting for a clean on-ramp from stablecoins into regulated European Treasury funds, Spiko just opened that door. The fintech has integrated Coinbase Payments into two EU-regulated UCITS Treasury funds — meaning you can now subscribe and redeem using USDC or EURC, with settlement running through Base, Coinbase's Layer 2 network.
This is a bigger deal than it sounds. UCITS funds are the gold standard of retail-accessible, regulator-approved investment vehicles in Europe. Plugging stablecoin rails directly into that infrastructure isn't just a tech upgrade — it's a legitimacy signal for on-chain finance. Suddenly, T-bill yield isn't just for DeFi natives willing to wrestle with smart contracts; it's one Coinbase wallet away.
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The choice of Base as the settlement layer matters too. Base moves fast and cheap, which is exactly what you want when you're talking about fund subscriptions and redemptions. Nobody wants to pay Ethereum mainnet gas fees to buy into a money-market product. Coinbase's own payments infrastructure handling the fiat-to-crypto translation also strips out a lot of the friction that typically kills these integrations at launch.
For retail traders watching the stablecoin-to-real-world-asset pipeline develop, this is a concrete proof point. Spiko isn't pitching a whitepaper — it's delivering live, regulated product access via stablecoin. The question now is whether other EU fund managers follow the same playbook, or whether Spiko carves out a durable first-mover edge in this niche.
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