Rayo Ganancivo connects your company's accounts and exchanges in a single dashboard, calculates liquidity risk in real time and proposes where to place surplus cash so that it does not run out of performance.
The company's excess money is usually distributed among several accounts without anyone having a joint view of how much it yields.
Many SMEs operate with more than one checking account, an investment platform and, sometimes, positions on exchanges, but they review each one separately. The usual result is capital that sits idle for weeks, placement decisions made without comparing alternatives, and risk exposure that no one has quantified with up-to-date data. Rayo Ganancivo was designed to unify that information and convert it into concrete decision criteria.
We aggregate balances, movements and positions from different entities and exchanges in a single view, updated as frequently as each integration allows, without the team having to consult each platform separately.
The model analyzes historical cash flow and volatility patterns of each instrument to estimate the risk of each placement before executing it, not after observing the result.
When a minimum liquidity threshold approaches or a position deviates from the defined risk profile, the system notifies before the situation requires an urgent decision.
We connect the accounts, platforms and exchanges indicated by the company through read-only access, without Rayo Ganancivo having the ability to move funds in this phase.
The model crosses this information with market indicators and with the calendar of cash needs declared by the client, to generate a liquidity and risk map of the business.
We present the placement options ordered by profitability and estimated risk; The final decision and execution always remain in the hands of the client or their financial team.
A company with seasonal income usually accumulates a balance in its checking account during the months of highest turnover. Rayo Ganancivo identifies this surplus, calculates how much can be allocated without compromising the planned payments and proposes short-term placement alternatives in accordance with the declared treasury calendar.
When a good part of the capital placed is exposed to the same entity or instrument, the liquidity risk is no longer theoretical. The system flags this concentration, explains the reason for the warning, and suggests a redistribution that maintains profitability without depending on a single counterparty.
Access to each account or exchange is done using read-only credentials when the platform allows it, and all information is transmitted encrypted. The client's financial team maintains control over the operation keys and any movement of funds at all times.
Compatibility depends on the platform offering a stable integration path, either through API or structured data export. Before starting an audit, we review with the client which accounts can be connected and what level of detail each one allows.
Aggregated data is used exclusively to generate the relevant customer analysis and recommendations; They are not shared with third parties or used for purposes other than your account. The client may request the deletion of their data once the contractual relationship has ended.
The initial audit consists of a review of your current accounts and exchanges; It does not imply contracting or movement of funds.