Best crypto money-market funds in France
Spiko US T-Bills Money Market Fund (USTBL) ranks highest in ChainChoice’s published money-market funds ranking among the providers that list France. Flat 30% capital gains rate for occasional sellers — predictable, but record-keeping on every disposal is required.
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Which crypto money-market fund should France residents use in November 2026?
Spiko US T-Bills Money Market Fund (USTBL) ranks highest in ChainChoice’s published money-market funds ranking among the providers that list France. The order is the published ranking itself; providers whose terms exclude France are removed. Check authorisation with AMF before depositing.
- France residents holding capital in EUR
- Users who need AMF-aligned compliance and audit-grade reporting
- Buy-and-hold profiles benefiting from France's tax treatment
- Sophisticated retail and family-office treasurers
- Derivatives / perpetuals traders (use a regulated futures venue instead)
- Privacy-focused users avoiding KYC (these are licensed venues)
- Day-traders chasing the lowest spreads regardless of regulator posture
- Anyone needing a service AMF does not currently authorise
General guidance for France: the ranking engine does not compute these notes and they do not change the order below. If none fits you, answer the Find My Best questions for a result for your profile.
5 money-market funds listed for France
In ChainChoice’s published ranking order, from this category’s 8 providers: those whose terms exclude France are removed; those silent on it come last. Each chip names the basis: a dated check, a region listing, or the provider's own claim.
#1 for FranceSpiko US T-Bills Money Market Fund (USTBL)#1 globallyProvider states broad availability A French-domiciled money market fund approved by the AMF, with a one-dollar minimum and an ISIN, distributed by Spiko and managed by Twenty First Capital.
Regulator and registration number — 10/10Published fee against fund yield — 8/10Portfolio and liquidity rules — 8/10#2 for FranceFidelity Treasury Digital Fund — OnChain class (FYOXX / FDIT)#2 globallyProvider states broad availability A Rule 2a-7 registered money market fund with a dedicated on-chain share class whose blockchain record is explicitly secondary to the transfer agent's book-entry register.
Regulator and registration number — 10/10Portfolio and liquidity rules — 9/10Published fee against fund yield — 8/10#3 for FranceJanus Henderson Anemoy Treasury Fund (JTRSY)#4 globallyLists Europe; France not individually verified A BVI professional fund open only to non-US professional investors, whose token is prima facie evidence of ownership under BVI law.
Token as the share of record — 8/10Published fee against fund yield — 4/10#4 for FranceBlackRock USD Institutional Digital Liquidity Fund (BUIDL)#6 globallyProvider states broad availability A British Virgin Islands limited company sold under a Section 3(c)(7) private-placement exemption, tokenised across nine networks by Securitize.
Token as the share of record — 6/10Regulator and registration number — 3/10#5 for FranceCircle USYC (Hashnote International Short Duration Yield Fund Ltd)#7 globallyLists Europe; France not individually verified A Cayman Islands mutual fund whose shares sit with a transfer agent and are mirrored on chain as ERC-20 digital twins, issued by a Bermuda-regulated Circle entity.
Token as the share of record — 3/10Published fee against fund yield — 3/10
Commission: None of these providers pays ChainChoice anything for these links. Disclosure
Provider links appear once we know which country you are browsing from: ChainChoice links to providers only where it serves in full.
Crypto products are high risk. Check the provider is authorised where you live before you deposit.
- Insolvency failure: the firm or issuer that owes you cannot pay.Scored by Token as the share of record · 30% (Spiko US T-Bills Money Market Fund (USTBL) 6/10, Fidelity Treasury Digital Fund — OnChain class (FYOXX / FDIT) 3/10, Janus Henderson Anemoy Treasury Fund (JTRSY) 8/10)Scored by Portfolio and liquidity rules · 20% (Spiko US T-Bills Money Market Fund (USTBL) 8/10, Fidelity Treasury Digital Fund — OnChain class (FYOXX / FDIT) 9/10, Janus Henderson Anemoy Treasury Fund (JTRSY) 4/10)
- Regulatory failure: no licence where you are, or a forced market exit.Scored by Regulator and registration number · 28% (Spiko US T-Bills Money Market Fund (USTBL) 10/10, Fidelity Treasury Digital Fund — OnChain class (FYOXX / FDIT) 10/10, Janus Henderson Anemoy Treasury Fund (JTRSY) 2/10)
Each cell is verified against the provider's filings or the AMF register; a gap shows "—", never an estimate.
| Provider | Taker fee in France | KYC tier | EUR rails | AMF license |
|---|---|---|---|---|
| #1Spiko US T-Bills Money Market Fund (USTBL) | — | — | — | — |
| #2Fidelity Treasury Digital Fund — OnChain class (FYOXX / FDIT) | — | — | — | — |
| #3Janus Henderson Anemoy Treasury Fund (JTRSY) | — | — | — | — |
| #4BlackRock USD Institutional Digital Liquidity Fund (BUIDL) | — | — | — | — |
| #5Circle USYC (Hashnote International Short Duration Yield Fund Ltd) | — | — | — | — |
Source: ChainChoice provider catalog cross-referenced with the AMF register; each fee as of its entry's latest verification (accuracy methodology).
Is using a crypto money-market fund legal in France?
Yes. France regulates crypto-asset service providers under MiCA (EU Regulation 2023/1114), enforced from 30 December 2024. AMF oversees money-market funds operating in France; only providers authorised under MiCA may serve retail clients. Verify any provider against the official register at AMF PSAN / CASP register.
How is crypto taxed in France?
Capital gains on crypto are taxed at a flat 30% (12.8% income + 17.2% social charges) for occasional sellers. Professional traders face progressive income tax rates. Editorial summary, not tax advice: consult a qualified tax advisor in France before filing.
What payment methods work for buying crypto in France?
The most common rails for retail onramps in France are: SEPA, SEPA Instant, Cartes Bancaires. Most regulated platforms support at least the first of these. Card payments may incur 2-4% fees vs. ~0.5% for bank transfers.
Are international platforms (Coinbase, Kraken, Binance) available in France?
Most major platforms have completed MiCA licensing for the EU and serve France via passporting. Availability of specific products (staking, derivatives) may vary by member state — the shortlist above filters by what each platform actually offers to France residents.