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Spiko is a French-regulated tokenization platform that issues UCITS-compliant money market funds, tokenizing risk-free assets such as U.S. Treasury bills into on-chain shares. Funds are held by an independent custodian bank and never sit on Spiko's balance sheet, ensuring a bankruptcy-remote structure. The platform serves corporate cash management, stablecoin reserve backing, and on-chain collateral management, with features like multi-level permissions and 2FA.