From Paris to Portfolios: How Spiko Is Opening Up Treasury Yields for Everyone

What brought them together wasn’t just shared expertise—it was the realization, and the spark behind Spiko, that one of the safest investment tools in the world was still out of reach for most Europeans.

How the Idea Took Root

They saw a growing need: while U.S. Treasury yields were attracting attention as low-risk, stable returns, access remained limited and clunky. Most platforms were too complex, outdated, or hidden behind high fees. They knew there had to be a better way—so they built it.

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Making the Jump: Founding Spiko

Leaving behind traditional paths, Paul-Adrien and Antoine founded Spiko in Paris with one mission: to make access to treasuries as easy as opening an app. No fine print, no gatekeeping—just direct, clean, and clear access to safe yields.

Humble Beginnings, Big Goals

They started with a small team, tight resources, and relentless focus. Instead of flashy features, they obsessed over removing friction—from onboarding to user experience. They built trust by listening to users and refining every touchpoint.

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Barriers on the Appletree To Change

It was not easy getting users to give a brand new platform in a highly regulated financial space a try. And educating the market on the benefits of the treasury was an extra layer.

But they embraced these challenges, recognizing that each instance of slow-eating was a sign that they were tackling something substantial.

When Everything Clicked

Spiko did well when the fear of a world economic collapse made people look for safer places to invest, but it was their site's straightforward and clean layout that sorted users according to what they were seeking, at the right time.

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Spiko Gains Traction as Investors Rally Behind Its Vision

In July 2025, Spiko secured €18.9 million in funding to fuel its expansion. With demand growing across Europe, the team is scaling their infrastructure, enhancing features, and growing their presence in key markets.

Investors see them not just as a product—but as a new standard in fixed-income investing.

The Bigger Picture and Purpose

Spiko is about more than just treasuries. It’s about breaking down financial barriers.

The founders envision a future where anyone—not just institutions—can grow their wealth through stable, low-risk products with full transparency and zero hassle.

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Inside the Culture of Spiko

The team runs on trust, speed, and clarity. Paul-Adrien and Antoine lead with a bias for action and a belief that good finance starts with good design.

There’s no fluff—just a sharp focus on what users actually need, backed by strong internal culture and collaboration.

Hard-Won Lessons for Founders

The Spiko team stands by this: Solve hard, boring problems that matter. Don’t build for hype—build for trust. Know the user inside-out, and don’t overcomplicate what they actually need. Especially in fintech, respect is earned one experience at a time.

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Funding, Focus, and What’s Ahead

Backed by leading European investors, Spiko is on a mission to reinvent fixed-income investing for the modern age. With momentum building across the continent, the team is doubling down on product innovation, regulatory strength, and user trust.

Paul-Adrien Hyppolite and Antoine Michon are leading this charge with complementary expertise—Paul-Adrien’s deep roots in financial consulting and macroeconomic strategy, and Antoine’s operational excellence honed through years in tech product development. Together, they’re building a new benchmark for transparency, access, and control in how Europeans grow and protect their wealth.

As the company scales across Europe, the vision is clear: make institutional-grade returns accessible to everyone, without the complexity. The future of safe, smart investing is being built now.

Where Goes From Here

Spiko is just getting started. On a mission to democratize safe investing, they’re laying the groundwork for a world where treasury yields are not just a banker’s secret—but a mechanism that helps anyone grow, protect, and route their lives.

To turn everyday savers into confident investors—through intuitive design and real financial gains.

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