Predictive intelligence for your business cash flow
Cretefructecte continuously analyzes market data and allocates your excess cash according to a programmed investment schedule, with entry points calculated rather than randomly decided.
Cretefructecte continuously analyzes market data and allocates your excess cash according to a programmed investment schedule, with entry points calculated rather than randomly decided.
Many managers leave their excess cash in low-paying accounts, out of prudence. This prudence comes at a price, rarely visible on a monthly bank statement.
Rather than looking for the ideal moment, Cretefructecte divides the investment over time according to Dollar Cost Averaging logic driven by predictive models. The goal is not to predict the market with certainty, but to reduce exposure to timing risk by structuring entries.
This approach is aimed at managers who wish to maintain investment discipline without devoting daily management time to it.
The process is based on ongoing analysis rather than one-off intervention, which limits the amount of subjective judgment in each decision.
Predictive models continuously process large volumes of macroeconomic and market data to identify recurring patterns rather than reacting to current events.
The capital to be invested is distributed over time. Each tranche is positioned on optimized entry points, calculated to mitigate the effect of a single, poorly timed investment.
Orders are executed according to the defined schedule, with risk management safeguards. The parameters are reviewed periodically depending on the evolution of your available cash flow.
Cretefructecte was designed for managers who manage corporate treasury, not a speculative portfolio. The recommendations take into account the nature of your reserves: capital which must remain available, not immobilized indefinitely.
Each dashboard presents current positions, upcoming execution schedule and associated risk indicators, without trading room jargon.
Data feeds are updated continuously, allowing programmed entry points to be adjusted without waiting for a monthly review. You view the status of your positions whenever you want, without having to interpret raw charts.
24/7
Continuous updating of market indicators followed by the models
Capital is never committed all at once. Exposure thresholds are defined upstream, so that no investment tranche exceeds the share of cash that you have designated as available for this type of investment.
Bearings
Split exposure according to a schedule defined in advance
A summary report is generated periodically, listing the movements carried out, current positions and deviations from the initial schedule. It can be sent as is to your accountant or your management committee.
Summary
A readable monitoring document, without raw data table
We prefer to explain the principles retained rather than illustrate them with testimonials. Here is what the method is based on.
The models identify statistical regularities in historical and current data, and adjust the pace of investment accordingly. They do not seek to anticipate one-off events, but to reduce the impact of poor synchronization.
Each parameter adjustment is tested over past market periods before being deployed, in order to observe its behavior in different contexts, including prolonged decline phases.
Financial data transmitted is encrypted in transit and at rest. Access to connected accounts is limited to the functions strictly necessary for the execution of scheduled orders.
You define in advance the portion of your cash flow intended for this type of investment, distinct from your operational working capital. The sums invested follow the liquidity of the underlying assets chosen, which is specified to you before any execution.
Automated DCA reduces the risk of choosing a single entry point, but does not eliminate the market risk itself. The risk parameters are adjustable according to your profile and reviewed periodically with you.
Implementation begins with an interview to define the allocated amount, the desired time horizon and availability constraints. Connection to the accounts concerned is then done via secure access, without modifying your existing accounting.
An initial discussion allows you to assess whether this approach corresponds to your current cash flow structure, without commitment on your part.