Your business cash is working. Always and without limits.
Use AI analytics to optimize balances in real time. Earn a return on free funds with instant withdrawal options.
Try a free analysisExample of free cash allocation
Illustrative distribution. The actual allocation is based on your transaction data.
Money in a checking account loses value every day
Inflation subtracts value from funds sitting in a checking account with zero or minimal interest. However, companies keep a high reserve because they are afraid that they will need the money from day to day, so they do not store it anywhere.
Vymorix Vadi analyzes your historical cash-flow and predicts how much cash you really need in the coming days and weeks. The rest is automatically directed to tools with evaluation, but always with the condition of immediate availability.
- Predictive cash-flow modelIt recalculates daily how many funds are safe to allocate.
- Allocation without lockingFunds are never tied to a fixed period of time.
- Real-time overviewSee where your funds are currently located and why.
Three steps from data connection to automated optimization
Secure data connection
You connect a company bank account via a standardized API within Open Banking. Account credentials never pass through our platform, only transaction data.
Formula analysis
A predictive model identifies recurring payments, seasonal fluctuations in income and expenses, and the minimum reserve you need to cover liabilities.
Automated optimization
The system proposes the distribution of free funds and adjusts it daily according to the current movement on the account, without a notice period on your part as a client.
Liquidity, risk control and growth with the volume of your business
Instant liquidity
You can withdraw funds at any time, without notice and without penalties for early withdrawal. You have access to money as quickly as in a current account.
Risk management
The AI model tracks the volatility of your income and expenses and never places funds that you are likely to need in the short term.
Scalability
The model adapts to the volume of transactions. It works just as reliably for a company with a monthly turnover of hundreds of thousands of crowns as for a company with a turnover in the tens of millions.
How the model calculates and how we protect your data
Prediction and optimization
The model combines time-series forecasting, i.e. the prediction of future financial flows based on historical data, with Bayesian optimization, which searches for the distribution of funds with the best ratio of return and availability. Model parameters are recalculated daily based on new transactions.
Security and regulatory compliance
We encrypt data using the AES-256 standard and communication takes place via TLS 1.3. The platform meets the requirements of the PSD2 directive for access to bank data and operates in accordance with the rules of the CNB for intermediation of financial services in the Czech Republic.
Answers to the most frequently asked questions before making a decision
How quickly can I withdraw money?
Immediately. Funds allocated through Vymorix Vadi are never locked for a fixed period of time, the withdrawal will take place without a notice period.
How does AI minimize risk?
The model maintains a safety margin derived from your historical cash-flow. It never allocates more funds than corresponds to the prediction of free liquidity for the nearest period.
Is a change of bank necessary?
No. Vymorix Vadi works as a superstructure on top of your existing bank account, it does not change the bank or its products in any way.
How is the price of the service set?
The price depends on the volume of allocated funds, and we will discuss the specific conditions during a non-binding initial consultation.
Stop losing to inflation. Start optimizing today.
A non-binding analysis will show you how much free cash you are currently leaving unused.
Start with Vymorix VadiNo setup fees, no obligations.