Hold Spiko US T-Bills Money Market Fund (USTBL) in a wallet you control
USTBL · Multichain networkLooking for a Spiko US T-Bills Money Market Fund wallet or a USTBL wallet app that does more than just hold? Zypto App is a non-custodial multichain DeFi wallet where you can hold USTBL, swap into 24,000+ assets across 20+ chains, connect to dApps and put your crypto to work in the real world. All from one app, your keys on your device.
Why Zypto is the best Spiko US T-Bills Money Market Fund (USTBL) wallet for everyday use
Most Spiko US T-Bills Money Market Fund wallets do one thing: hold USTBL. Zypto App is a full DeFi wallet built for actually using it. Hold USTBL non-custodially on the Multichain network, swap into 24,000+ assets across 20+ chains via in-app DEX integrations, connect to dApps with WalletConnect, and use the value through the Zypto Premium Visa Card and Zypto's bill-pay and gift-card surfaces.
Whether you're new and looking for your first Spiko US T-Bills Money Market Fund wallet app or your first USTBL wallet, or an experienced DeFi user who wants one wallet for holding, swapping and real-world spending, Zypto is built for both, without sacrificing self-custody.
Spiko US T-Bills Money Market Fund wallet for beginners and the best USTBL wallet app
New to Spiko US T-Bills Money Market Fund? You don't need an exchange account to get a wallet. Download Zypto App, generate your recovery phrase, and you have a working USTBL wallet in under a minute. Add your first USTBL by receiving from another wallet, or by buying in-app where supported.
From zero to using Spiko US T-Bills Money Market Fund
Get the app
Download Zypto App on iOS or Android. Generate your recovery phrase. Your keys stay on your device.
Add USTBL
Receive USTBL from another wallet, or buy in-app where supported.
Use it everywhere
Top up the Zypto Premium Visa Card, swap into other assets, pay bills, or buy gift cards.
Your Spiko US T-Bills Money Market Fund is secured by you
Zypto App is non-custodial. Your private keys are generated and stored on your device, Zypto never has access to your USTBL and every transaction is signed locally. For account access, every user sets a PIN with optional biometric security (fingerprint or face recognition). You can also filter your wallet to show only verified tokens, protecting you from random airdrops or unsafe assets. For offline hardware wallet security, pair with the Vault Key Card, card-based cold-wallet hardware that signs transactions over NFC, keys never touch the internet.
What is Spiko US T-Bills Money Market Fund?
Spiko US T-Bills Money Market Fund, traded as USTBL, is a tokenized version of a money market fund that invests in short-term US Treasury bills. It brings exposure to one of the most conventional low-risk instruments in traditional finance onto the blockchain. The token represents a share in the fund and is designed to accrue value from the yield its Treasury holdings generate. It runs across networks including Ethereum, Base, Polygon, Arbitrum, and Starknet. It sits in the fast-growing category of tokenized real-world assets aimed at on-chain access to traditional yield. You can track the Spiko US T-Bills price and hold USTBL in a self-custody wallet.
What you can do with Spiko US T-Bills Money Market Fund in Zypto
Zypto App connects your Spiko US T-Bills Money Market Fund to real-world spending. Swap into supported coins in-app, use your Spiko US T-Bills Money Market Fund in the real world.
Vault Key Card cold storage
Card-based cold-wallet hardware. NFC-tap to sign Spiko US T-Bills Money Market Fund transactions, keys never touch the internet.
Vault Key CardUse a Crypto Visa Card
Load the Zypto Premium Visa Card with crypto. Physical and virtual cards, use them wherever Visa is accepted.
Crypto cardsPay bills with Spiko US T-Bills Money Market Fund
Settle utility bills and mobile contracts with billers worldwide, paid with crypto from your Zypto wallet.
Bill payBuy gift cards with USTBL
Gift cards from popular brands, paid with crypto. Settle in-app, redeem instantly.
Gift cardsTop up any phone
Send mobile credit across many countries in seconds. Pay with crypto, recipient gets local airtime.
Mobile top-upsCross-chain swaps
Swap Spiko US T-Bills Money Market Fund into 24,000+ assets across 1,000,000+ cross-chain routes. All in-app, all in two taps.
Multichain walletPay with crypto
Zypto App supports 100+ cryptocurrencies for card loads, mobile top-ups, bill pay and gift cards. Swap any asset into a supported coin in-app, all in a few taps.
Zypto PayHold any of these alongside Spiko US T-Bills Money Market Fund
Cross-chain swaps mean your USTBL can become any of these in two taps.
662+ dedicated wallet pages
Spiko US T-Bills Money Market Fund wallet FAQs
What's the best Spiko US T-Bills Money Market Fund wallet app?
That depends on what you want to do with your USTBL. If you're holding only, any non-custodial wallet works. If you want to hold, swap across 20+ chains, connect to dApps, and use crypto for real-world spending, Zypto App is purpose-built for that while still being fully non-custodial.
Is the Zypto Spiko US T-Bills Money Market Fund wallet non-custodial?
Yes. Your private keys are generated and stored on your device. Zypto never has access to your USTBL. Every transaction is signed locally on your device before it reaches the network.
How do I spend crypto with Zypto Premium Visa Cards?
When you load the card in Zypto App, your crypto is converted into USD. Conversion happens at load, not at the checkout, so you can lock value in, avoid volatility and spend wherever Visa is accepted around the world, subject to eligibility and applicable limits.
Which chains can I swap Spiko US T-Bills Money Market Fund into?
Swap into assets across 20+ chains including Ethereum, Solana, Polygon, Arbitrum, Optimism, BNB Chain and TRON, across 1,000,000+ cross-chain routes. All in-app, all in two taps.
How do I back up my Spiko US T-Bills Money Market Fund wallet?
During setup, Zypto App generates a 12-word recovery phrase. Write it down and store it offline somewhere safe. For offline hardware wallet security, pair Zypto App with a Vault Key Card, the card-based cold-wallet hardware that signs transactions over NFC without exposing your keys to the internet.
Is Zypto App available in my country?
The wallet itself is available globally on iOS, Android and web. Some features (in-app buying, the Zypto Premium Visa Card) vary by region. See what's available where you are on our <a href="/spend-crypto/">Spend by Country</a> page.
Is Zypto App free?
The app is free to download and use. Standard network fees apply to on-chain transactions. Card and bill-pay services carry transparent transaction fees published in the app.
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