Coinbase Integrates USDC and EURC Stablecoin Payments for European Treasury Fund Access

Key Highlights

• Stablecoin payment integration launches for European UCITS Treasury bill funds

• USDC and EURC enable fund subscriptions and withdrawal processing

• Infrastructure provided by Coinbase Payments includes wallet, API, and settlement layers

• Base layer-2 network facilitates efficient blockchain transaction settlement

• Payment method addition maintains existing fund structure and regulatory framework

A collaboration between Coinbase and Spiko has introduced stablecoin payment functionality to European Union-regulated Treasury bill investment vehicles. Eligible investors can now utilize digital currency payment methods for entering and exiting two UCITS-compliant money market products. The development integrates Circle’s USDC and EURC stablecoins within established European regulatory frameworks for mutual funds.

Dollar-Denominated T-Bill Fund Activates USDC Payment Channel

The US T-Bills Money Market Fund managed by Spiko has activated USDC acceptance through Coinbase Payments technology. This investment product delivers exposure to short-duration United States Treasury securities while operating within UCITS regulatory parameters. The payment infrastructure encompasses digital wallet functionality, transaction APIs, and backend processing systems supplied by Coinbase.

Transaction finalization occurs on Base, the layer-2 blockchain network developed by Coinbase. This technical architecture creates a bridge between onchain digital assets and traditionally regulated investment vehicles. The arrangement diminishes reliance on conventional banking hours and legacy payment processing systems that impose delays.

The innovation particularly serves corporate treasury operations requiring rapid reallocation between liquid assets and fund positions. Investors gain the ability to initiate subscription requests outside typical banking schedules, encompassing weekends and public holidays. Spiko emphasized that this development introduces an alternative payment channel without modifying the fund’s underlying operational structure or investment strategy.

Euro T-Bill Product Enables EURC Transaction Capability

Spiko’s EU T-Bills Money Market Fund has implemented EURC payment acceptance utilizing identical Coinbase technological infrastructure. This fund adheres to UCITS regulatory requirements, which establish European Union benchmarks for investor protection and operational oversight. Coinbase characterized these products as pioneering European UCITS funds offering direct stablecoin payment acceptance.

Upon liquidation, redemption payments can transfer to designated stablecoin wallets in a matter of minutes. This capability provides treasury management teams with accelerated access to capital following position exits. The fund continues operating within its established regulatory guidelines governing subscription and redemption procedures.

This launch arrives during a period of robust UCITS market activity across Europe. According to EFAMA statistics, UCITS products attracted 104 billion euros in net capital inflows during April. This represented a significant reversal from the 41 billion euro net outflow recorded in March, while cumulative 2025 net sales have reached 828 billion euros.

Partnership Advances Tokenized Investment Product Infrastructure

Coinbase positioned this collaboration as progress toward modernized payment systems for regulated investment products. Stablecoin-based payment networks can minimize operational friction when clients allocate capital to or withdraw from compliant financial products. The integration creates connectivity between blockchain-based settlement mechanisms and traditional mutual fund administration.

This framework does not transform the underlying investment vehicles into continuously operating products. Rather, it provides qualified investors with an additional funding mechanism for subscriptions and proceeds distribution. This differentiation carries significance because payment processing velocity and fund operational cycles function as distinct elements.

Additional asset management firms have explored comparable tokenized fund applications. WisdomTree secured regulatory authorization this year for continuous secondary market trading in a tokenized Treasury product. Franklin Templeton and Binance have similarly launched tokenized fund instruments available as institutional collateral in off-exchange environments.

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