Coinbase Teams Up With Spiko to Bring Stablecoin Payments to EU T-Bill Funds

• Coinbase and Spiko enable USDC and EURC payments for regulated EU UCITS funds.
• Base network powers faster, lower-cost settlements for institutional fund transactions.
• Partnership supports 24/7 subscriptions and quicker redemptions for treasury investors.

Coinbase has partnered with Spiko to introduce stablecoin payments for regulated European Treasury bill money market funds. The integration enables eligible investors to subscribe and redeem fund shares using USDC and EURC while supporting faster transactions through blockchain-based infrastructure.

Coinbase Expands Stablecoin Access for European UCITS Funds

Coinbase has announced a partnership with Spiko to provide instant stablecoin entry and exit for regulated European UCITS money market funds. The collaboration allows eligible investors to use USDC and EURC when subscribing to or redeeming shares in Spiko’s EU and U.S. Treasury bill funds.

The integration marks the first time European UCITS funds have accepted direct stablecoin payments. UCITS funds operate under strict European regulatory standards that emphasize investor protection and supervisory oversight. 

Consequently, the partnership combines regulated investment products with blockchain-based payment infrastructure.

Coinbase Payments powers the transaction process by providing secure wallet services, payment infrastructure, and API connectivity for institutional users. Meanwhile, transactions settle on Base, Coinbase’s Ethereum Layer-2 network, reducing costs while supporting near-instant settlement.

The company stated that the initiative reflects its goal of building financial infrastructure that operates continuously instead of following traditional banking schedules.

Partnership Targets Faster Treasury Management

The new payment model addresses delays commonly associated with conventional fund subscriptions and redemptions. Traditional bank transfers and settlement periods often require several business days before investors gain access to their capital.

Under the new system, investors can subscribe to Spiko‘s Treasury bill funds using stablecoins throughout the week, including weekends and public holidays. Likewise, redeemed positions can return USDC or EURC to investors’ wallets within minutes after processing.

Coinbase said the partnership creates a more efficient treasury management process for institutional clients managing idle digital assets. Therefore, firms can move capital between stablecoins and short-term government-backed investments without relying entirely on traditional banking hours.

According to a recent EY-Parthenon and Coinbase survey, 88% of institutional investors identified T+0 securities settlement as a leading use case for stablecoins. The findings highlight growing institutional interest in faster settlement solutions supported by blockchain technology.

Coinbase Strengthens European Expansion Strategy

The partnership follows Coinbase‘s recent expansion across Europe after securing a Markets in Crypto-Assets (MiCA) license. The authorization enables the exchange to offer regulated digital asset services across all 27 European Union member states.

Although the payment integration modernizes capital movement, Spiko emphasized that it does not alter the structure or regulatory framework governing its funds. Instead, the update introduces an additional payment option while existing fund operations remain unchanged.

The announcement also reflects increasing adoption of tokenized financial infrastructure across institutional markets. Asset managers continue exploring blockchain technology to improve settlement efficiency while maintaining compliance with established financial regulations.

As regulated stablecoin adoption expands, Coinbase and Spiko aim to bridge traditional financial products with digital payment networks, supporting faster access to short-term Treasury investments for institutional participants.

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