# EUTBL by Spiko ### Who is Spiko? Spiko is a financial technology company that specializes in tokenizing traditional financial instruments, particularly European Treasury Bills. They provide access to institutional-grade money market funds through blockchain technology, enabling users to participate in traditional financial markets while maintaining the benefits of decentralized finance. Find out more about [Spiko](https://docs.spiko.io/documentation/intro/welcome/). ### What is EUTBL? EUTBL (Spiko EU T-Bills) is Spiko's wrapped version of their EU T-Bills Money Market Fund, designed to provide enhanced composability and integration capabilities within the DeFi ecosystem. When users invest in Spiko's EU T-Bills Money Market Fund, they receive EUTBL tokens, which represent their position in the underlying European Treasury Bills. EUTBL is then created by wrapping the fund shares, making it compatible with ERC-20 standards and easier to integrate with various DeFi protocols. This makes EUTBL an ideal collateral asset for protocols like EUR0, as it combines the stability of European Treasury Bills with the flexibility of a wrapped token. More on [EUTBL](https://www.spiko.io/spiko-euro). --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://tech.usual.money/smart-contracts/eur0-collateral/eutbl-by-spiko.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.