Spiko US T-Bills Money Market Fund
Peers · Tokenized Money Market Fund
AVG 3.37% · BENCH 2.00%| TICKER | ISSUER | YIELD | vs SAV | RISK | MIN |
|---|---|---|---|---|---|
| USTBL ◂ | Spiko (SICAV, France) | 3.82% | +182bp | VERY LOW | €1 (≈$1,000 practical) |
| BENJI | Franklin Templeton | 3.73% | +173bp | LOW | Low (Benji app) |
| BUIDL | BlackRock / Securitize | ~3.59% | +159bp | LOW | $5M (institutional) |
| WTGXX | WisdomTree | ~3.5% | +150bp | VERY LOW | Low (app-based) |
| USYC | Circle (Hashnote Intl. Short Duration Yield Fund) | ~3.17% | +117bp | LOW | Institutional channels |
| EUTBL | Spiko (SICAV, France) | 2.41% | +41bp | VERY LOW | €1 (≈€1,000 practical) |
Description
ISSUER DOCSFrench AMF-regulated money-market fund holding short-term US Treasury bills (USD); EU retail-accessible.
Buying · Q&A
3 QUESTIONSHow do I buy USTBL?+
Spiko account + KYC, subscribe directly. The issuer names these venues: Spiko. The token runs on Stellar / Ethereum. Minimum: €1 (≈$1,000 practical).
Where can I buy USTBL?+
USTBL is not listed on any exchange or DEX we can see. It is bought (subscribed) and redeemed directly with the issuer, Spiko (SICAV, France).
Who can buy USTBL?+
As Spiko SICAV (USTBL, EUTBL) states it: EU, retail investors: yes (Spiko account and KYC); US, retail investors: no (Subscribers certify they are not US persons). The issuer has the final word; check its terms before buying.
Where to trade
SECONDARY MARKETUSTBL does not trade on any exchange or DEX we can see. You get it from the issuer and redeem it there — see below.
Issuer · primary market
SUBSCRIBE / REDEEMSpiko account + KYC, subscribe directly
Who may buy is set by the issuer — check their terms. Not investment advice.
Key facts
VERIFIED 2026-10-19- Yield / return
- 3.82% (net of fees, last 31 days)
- Risk
- Very Low
- Minimum
- €1 (≈$1,000 practical)
- Liquidity
- Daily subscription/redemption
- Custody
- Custodial (regulated fund)
- KYC
- Required
- Verified
- 2026-10-19
Details
- Issuer
- Spiko (SICAV, France)
- Type
- Tokenized Money Market Fund
- Category
- Tokenized Treasuries
- Yield source
- Short-term US Treasury bills
- Network
- Stellar / Ethereum
- Jurisdiction
- France (EU, AMF-regulated)
- AUM
- $146M
Questions
ANSWERS- Which tokenized US Treasury pays the highest yield right now — and who is allowed to buy it?
- Can I buy tokenized Treasuries without KYC, straight from my own wallet on a DEX?
- How much money do I need to invest in tokenized Treasuries — is $100 enough?
- Which governments, cities and public agencies have issued digital or tokenized bonds?