# Spiko

> Spiko is a European fintech (MiFID-authorized investment firm, ACPR license #19183) offering regulated daily treasury management: tokenized, UCITS-approved government money market funds and multi-currency cash accounts (EUR, USD, GBP, CHF). Businesses and individuals earn risk-free-rate yield on cash while keeping daily liquidity. Client funds are custodied by CACEIS Bank; Spiko holds no client funds. Spiko exposes three developer APIs — a public fund-data API, an Investor API, and a Distributor API.

This llms.txt was generated by the API Evangelist enrichment pipeline from apis.yml and the captured artifacts in this repository.

## APIs

- [Public API](https://docs.spiko.io/developers/public_api/getting_started): Open, unauthenticated access to fund data — funds, share classes, NAV history, yields, exchange rates, fund assets. Base URL https://public-api.spiko.io/v0
- [Investor API](https://docs.spiko.io/developers/investor_api/getting_started): Direct clients/partners manage accounts, deposit/withdrawal/transfer orders, portfolio, and yields. Base URL https://investor-api.spiko.io/v1 (HTTP Basic or OAuth 2.0)
- [Distributor API](https://docs.spiko.io/developers/distributor_api/getting_started): Distributors manage investors, accounts, orders, contracts, documents, wallets, and webhooks on behalf of their clients. Base URL https://distributor-api.spiko.io (HTTP Basic)

## Specs

- [Public API OpenAPI](https://public-api.spiko.io/v0/docs/openapi.json)
- [Investor API OpenAPI](https://investor-api.spiko.io/v1/docs/openapi.json)
- [Distributor API OpenAPI](https://distributor-api.spiko.io/v0/docs/openapi.json)
- [OpenID Connect discovery](https://investor-auth.spiko.io/.well-known/openid-configuration)

## Docs

- [Developer introduction](https://docs.spiko.io/developers/introduction)
- [Idempotency guide](https://docs.spiko.io/developers/distributor_api/technical_guides/idempotency): Idempotency-Key header on POST, 8-255 char key
- [Webhooks guide](https://docs.spiko.io/developers/distributor_api/technical_guides/webhooks): Standard Webhooks, HMAC-SHA256
- [Versioning guide](https://docs.spiko.io/developers/distributor_api/technical_guides/versioning): per-endpoint uri-path versioning
- [Investor sandbox](https://docs.spiko.io/developers/investor_api/sandbox)
- [Help center](https://support.spiko.io/hc/en-us)
- [Tech blog](https://tech.spiko.io/)
- [Open data](https://data.spiko.io)

## Company

- [Website](https://spiko.io)
- [Sign up](https://app.spiko.io/signup)
- [Legal & regulatory documentation](https://support.spiko.io/hc/en-us/sections/45292991501073-Legal-and-regulatory-documentation)
- [GitHub organization](https://github.com/spiko-tech)