Spiko
Spiko is a European fintech and MiFID-authorized investment firm (ACPR license #19183) offering regulated daily treasury management through tokenized, UCITS-approved government money market funds and multi-currency cash accounts (EUR, USD, GBP, CHF). Businesses and individuals earn the risk-free rate on idle cash while keeping daily liquidity; client funds are custodied by CACEIS Bank and Spiko itself holds no client funds. Spiko exposes three developer APIs: an open Public API for fund, share-class, NAV, yield, and exchange-rate data; an Investor API for direct clients and partners to manage accounts and deposit/withdrawal/transfer orders; and a Distributor API for partners to onboard investors, manage accounts and orders, and receive webhook events.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles Spiko the way a machine reads it — 33 machine-readable artifacts across 27 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Spiko scores 58.4/100 (developing), with a separate agent-readiness read of 84/100 (agent native). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Spiko
Each block below is one kind of artifact we hold for Spiko. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 27
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Spiko Account transactions API
The Account transactions API from Spiko — 2 operation(s) for account transactions.
Spiko Accounting positions API
The Accounting positions API from Spiko — 5 operation(s) for accounting positions.
Spiko Accounts API
The Accounts API from Spiko — 7 operation(s) for accounts.
Spiko Bank accounts API
The Bank accounts API from Spiko — 5 operation(s) for bank accounts.
Spiko Deposit orders API
The Deposit orders API from Spiko — 8 operation(s) for deposit orders.
Spiko Distributor investor contracts API
The Distributor investor contracts API from Spiko — 4 operation(s) for distributor investor contracts.
Spiko Distributors API
The Distributors API from Spiko — 2 operation(s) for distributors.
Spiko Exchange Rates API
The Exchange Rates API from Spiko — 2 operation(s) for exchange rates.
Spiko Fund Assets API
The Fund Assets API from Spiko — 1 operation(s) for fund assets.
Spiko Funds API
The Funds API from Spiko — 2 operation(s) for funds.
Spiko Index Values API
The Index Values API from Spiko — 2 operation(s) for index values.
Spiko Investor Documents API
The Investor Documents API from Spiko — 2 operation(s) for investor documents.
Spiko Investor tokens API
The Investor tokens API from Spiko — 1 operation(s) for investor tokens.
Spiko Investors API
The Investors API from Spiko — 5 operation(s) for investors.
Spiko Net Asset Values API
The Net Asset Values API from Spiko — 3 operation(s) for net asset values.
Spiko Portfolio API
The Portfolio API from Spiko — 2 operation(s) for portfolio.
Spiko Portfolios API
The Portfolios API from Spiko — 1 operation(s) for portfolios.
Spiko Redemption Orders (deprecated) API
The Redemption Orders (deprecated) API from Spiko — 3 operation(s) for redemption orders (deprecated).
Spiko Share Classes API
The Share Classes API from Spiko — 5 operation(s) for share classes.
Spiko Subscription Orders (deprecated) API
The Subscription Orders (deprecated) API from Spiko — 3 operation(s) for subscription orders (deprecated).
Spiko Transfer Orders API
The Transfer Orders API from Spiko — 2 operation(s) for transfer orders.
Spiko Users API
The Users API from Spiko — 6 operation(s) for users.
Spiko Wallets API
The Wallets API from Spiko — 1 operation(s) for wallets.
Spiko Webhook Configurations API
The Webhook Configurations API from Spiko — 5 operation(s) for webhook configurations.
Spiko Webhook Events API
The Webhook Events API from Spiko — 1 operation(s) for webhook events.
Spiko Withdrawal orders API
The Withdrawal orders API from Spiko — 7 operation(s) for withdrawal orders.
Spiko Yields API
The Yields API from Spiko — 3 operation(s) for yields.
Scroll within the panel for all 27 ·
MCP Servers 1
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
spiko-mcp.yml
MCP SERVEREvent Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Spiko Distributor Webhooks
ASYNCAPISecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.
OAuth scopes governing access to this provider's APIs.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Spiko — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 5
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 7
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 7 ·
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 4
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 3
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 4
Properties that don't map to a standard resource type
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