Spiko Integrates Stellar: $33M TVL in Fund Shares Now Native on $XLM
Spiko’s Stellar Milestone: Fund Shares Go Native on the Network
Spiko Finance, a trailblazer in tokenized capital markets, has integrated with Stellar ($XLM), enabling native minting, transferring, and use of its fund shares on the blockchain. Announced on November 20, 2025, via X, this upgrade brings Spiko’s money market instruments, including Europe’s first approved retail funds – directly onto Stellar’s rails. For crypto newcomers, Spiko focuses on democratizing access to cash management tools like money market funds (MMFs), which offer steady yields (4-5%) on low-risk debt. As Spiko’s post stated, “Our mission is to democratize access to top-tier cash management instruments.” With $622 million in total value locked (TVL), $33 million already on Stellar, and nearing $10 million in user interest paid since launch, this partnership cements Stellar’s RWA leadership.
Why Stellar? A Pioneer in RWA Tokenization
Stellar has long championed real-world asset (RWA) tokenization. In 2021, it became the first public blockchain to host shares of a U.S. retail MMF. Today, it powers Europe’s approved funds too. Spiko’s integration is natural. Stellar’s network settles trades in 5 seconds for $0.00001. No congestion. No high gas fees. Specifically, users mint Spiko shares natively on Stellar. They transfer them instantly. Or use them in DeFi pools. As the post highlighted, “Stellar has been a pioneer in real-world asset tokenization.” Moreover, it supports compliant issuance under MiCA regs. Thus, institutions like family offices gain 24/7 liquidity. Retail users buy fractional shares from €10.
Spiko’s Growth: $622M TVL and $10M in Interest
Spiko’s momentum is impressive. TVL hit $622 million. $33 million sits on Stellar. That’s 5.3% of the total. Interest paid to users? Nearly $10 million since launch. For example, holders earn yields on tokenized MMFs. These back bonds and treasuries. As a result, adoption grows. Europe’s retail funds draw EU investors. U.S. pilots expand. Platforms like Lumexo make $XLM trades easy. Low fees apply. Hence, even beginners join. They earn passive income.
The Bigger Picture: RWAs on Stellar Take Off
Furthermore, this boosts Stellar’s RWA ecosystem. TVL reached $639 million in Q3 2025. Tokenized Treasuries? 94.8% share. BENJI fund? $849M AUM. Spiko adds European flavor. It complements SG-FORGE’s EURCV (€41M). As Messari reports, Stellar processed $5.4B in RWA volumes quarterly. Up 27% QoQ. For $XLM holders, demand rises. More shares mean fees in Lumens. XLM traded at $0.34 in November 2025. Up 2%. Therefore, institutions win. They get compliant tools. Users access yields anytime.
Stellar’s Horizon: Tokenized Funds for All
In short, Spiko’s Stellar integration isn’t niche. It’s mainstream. Europe’s funds go on-chain. Adoption follows. As Q4 2025 pilots launch, TVL climbs. Blockchain is accessible. Stellar proves it.