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Spiko Developer Documentation

website·Indexed 35 days ago

https://docs.spiko.io

API documentation and integration guides for Spiko's financial services, including the Distributor API and Investor API. Features coverage of T-bills, Smart Cash (Spiko Amundi Overnight Swap Fund), yield accounting, and tokenization across EVM, Starknet, and Stellar networks. Includes detailed references for managing deposit orders, transfer orders, and Net Asset Values (NAV).

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What's inside Spiko

  1. Overview of Money Market Funds (MMF) for cash management

    A Money Market Fund (MMF) is a financial product used for optimized cash management, investing exclusively in highly liquid and secure financial instruments. MMFs are designed for corporate treasurers and financial institutions to manage short-term liquidity, offering daily deposit and withdrawal flexibility and instant access to funds without notice periods. They allow users to earn returns that track the risk-free rate of the fund's base currency. In the European Union, MMFs are subject to stringent regulations and require authorization and supervision by national bodies, such as the French Financial Markets Authority (AMF).

  2. Overview of Investor JWT flow for direct order placement

    Investor JWTs enable an investor's browser to interact directly with the Spiko Distributor API to create orders. This flow is specifically designed for distributors using the 'Distribute with Spiko's license' model, ensuring the regulated act of order creation happens between the investor and Spiko, rather than being transmitted by the distributor's backend.

  3. Overview of the Spiko Distributor API

    The Spiko Distributor API (Version v0) is designed for third parties such as SaaS providers, fintechs, and Web3 companies to distribute Spiko Funds to their customers. The API provides programmatic capabilities to manage investors, execute subscription and redemption orders, and retrieve real-time portfolio information.

  4. Overview of the Spiko Distributor API

    The Distributor API allows Spiko partners to distribute Spiko Funds to end users. It is used for onboarding investors, managing orders (deposits, withdrawals, transfers, and swaps), and querying real-time portfolio data. This API is applicable for partners operating under 'Distribute with Spiko's License', 'Distribute with Your License - Named Accounts', or 'Distribute with Your License - Omnibus Account' models. Access is granted manually via contact@spiko.io.

  6. Overview of Spiko Direct API capabilities

    The Spiko Direct API allows clients to programmatically manage their Spiko accounts. It is primarily intended for corporate treasurers, finance teams, and developers who need to automate treasury operations or integrate portfolio data into internal systems. Key capabilities include:

    • Portfolio Querying: Retrieve real-time balances, share positions, and Net Asset Value (NAV) data.
    • Transaction Tracking: List deposits, withdrawals, transfers, and daily yield accruals.
    • Operational Automation: Programmatically submit deposit and withdrawal orders.
    • Data Export: Extract transaction history for reconciliation, reporting, and accounting purposes.

  7. Overview of Spiko Swap operations

    A swap moves an investor's holdings directly from one share class to another within the same account. Internally, Spiko materializes a swap as a linked redemption (from the source share class) and a subscription (into the target share class). This allows investors to change their holdings without withdrawing funds to a bank.

    Constraints:

    • Swap orders are not available for distributors using the 'Distribute with Spiko's License' model.
    • Swap orders are not exposed through Investor JWTs; requests to create or cancel them via JWT will return 403 Forbidden.

  8. Understand the Spiko Distributor model

    In the Distributor model, Spiko acts as the regulated investment firm providing investment services to end-users within a third-party platform. The platform provider acts as a business introducer. Spiko manages brokerage, regulatory compliance, and settlement, while the platform provider maintains control over the user experience.

  9. Choose between Named and Omnibus account structures in Spiko

    Regulated investment entities (such as investment firms, credit institutions, or portfolio management companies) authorized to provide the reception and transmission of orders can choose between two account structures for their end-users:

    1. Named Accounts (Default): Each end-user has an individual account within Spiko. The provider handles KYC via a reliance agreement and transmits onboarding data through the API. Spiko performs routine sanctions and PEP screening. This structure utilizes the Distributor API.
    2. Omnibus Account: A single account is opened in the provider entity's name; Spiko has no visibility into the individual end-users. This requires the provider to have the ancillary service of 'safekeeping and administration of financial instruments'. This structure utilizes the Investor API because the provider entity is the sole legal investor.

  10. Understand Spiko Distributor API versioning

    The Distributor API uses per-endpoint versioning via path prefixes (e.g., /v0/, /v1/). While most endpoints reside on /v0/, some have been superseded by /v1/ versions. Deprecated endpoints continue to function for backward compatibility but should not be used for new integrations.

  11. Understand the Spiko Cash & Carry treasury management strategy

    A cash & carry trade is a treasury management strategy designed to profit from the spread between the spot price and the futures price of an asset. The process involves three steps: buying an asset (spot), simultaneously selling the same asset via a futures contract for delivery at a later date, and collecting the spread. This locks in the return and provides protection against price fluctuations of the underlying asset. The strategy is profitable only when the futures price exceeds the spot price by more than the return on risk-free assets (e.g., Treasury bills).

  12. Understand Spiko T-Bills Euro investment strategy

    The Spiko T-Bills Euro Fund targets a net return aligned with the Euro Short-Term Rate (€STR). It invests exclusively in investment-grade Treasury Bills from Eurozone member states (e.g., Germany, France) with maturities under 6 months. The average portfolio maturity is capped at 2 months, and the fund maintains up to 10% of assets in EUR cash for liquidity. The benchmark (€STR) is published daily by the European Central Bank.