Europe’s regulated investment market has taken a major step toward blockchain-based finance as Coinbase and Spiko introduced stablecoin payments for UCITS mutual funds, allowing investors to subscribe and redeem fund shares almost instantly.
The integration enables institutional investors to move between regulated Treasury bill funds and stablecoins without relying on traditional banking rails that often take days to settle. Through Coinbase Payments, Spiko’s EU T-Bills Money Market Fund and US T-Bills Money Market Fund now accept USDC and EURC, making them the first UCITS funds in Europe to support stablecoin funding.
We’re partnering with @Spiko_finance for instant stablecoin entry and exit in European UCITS funds.
Any time, any day of the week.
Finance should be 24/7, and Coinbase Payments is building the infrastructure for it. pic.twitter.com/jmVqq5G3iU
— Coinbase 🛡️ (@coinbase) June 30, 2026
How does the new stablecoin settlement work?
Instead of waiting for bank transfers and conventional settlement periods, investors can fund subscriptions using USDC or EURC at any time, including weekends and public holidays.
The system is powered by Coinbase Payments and settles transactions on Base, Coinbase’s Ethereum Layer-2 network. According to the companies, investors can also redeem their fund holdings and receive stablecoins in their wallets within minutes, significantly reducing the time capital remains locked.
Coinbase also provides the wallet infrastructure and payment tools needed to process these transactions while meeting compliance and security requirements expected in regulated financial markets.
A milestone for Europe’s fund industry
UCITS funds are among Europe’s most heavily regulated investment products and are widely used by both retail and institutional investors. Bringing stablecoin payments into this framework is a notable step in linking traditional finance with blockchain infrastructure.
The launch addresses one of the biggest inefficiencies in conventional markets, slow settlement. Rather than waiting through standard settlement cycles, investors gain faster access to their funds, improving cash management and reducing idle capital.
The companies said this integration demonstrates how regulated financial products can operate alongside digital assets without compromising compliance.
Institutional demand for faster settlement grows
The announcement comes as institutional interest in blockchain-based settlement continues to rise. Coinbase cited a recent EY-Parthenon and Coinbase survey showing that 88% of institutional investors identified same-day (T+0) securities settlement as a key use case for stablecoins.
Meanwhile, Coinbase CEO Brian Armstrong renewed calls for changes to U.S. accredited investor rules, arguing that the current system gives wealthy investors access to opportunities that most people cannot reach. Additionally, Global digital payments provider Checkout.com partnered with Coinbase to enable stablecoin payment acceptance for enterprise merchants, further tightening the link between traditional payment rails and blockchain-based settlement systems.
By combining regulated Treasury bill funds with stablecoin payments, Coinbase and Spiko aim to provide institutions with continuous access to liquidity while supporting faster treasury operations. The companies believe the model could help reshape how capital moves between traditional financial products and digital assets.
Enjoyed this? Bookmark DeFi Planet, explore related topics, and follow us on Twitter, LinkedIn, Facebook, Instagram, Threads and CoinMarketCap Community for seamless access to high-quality industry insights
Take control of your crypto portfolio with DEFI PLANET PRO, DeFi Planet’s suite of analytics.
