Čistá Platárna – an analytical environment for managing free corporate capital

Free working capital does not have to sit in a current account without being used

Čistá Platárna analyzes your cash-flow and market data and proposes the distribution of free funds according to the risk you are willing to bear. The model learns from your decisions and adapts to them, not the other way around.

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In the overview, you can see the current distribution of liquid funds, the recommended level of exposure and the reason why the recommendation model was designed - without technical jargon, in a language that even a CFO without data analytics can understand.

Static savings vs. adaptive control

Most companies have held reserves in the same way for years

Money in a savings account or term deposit is safe, but its return usually does not keep pace with inflation or opportunity cost. In addition, the allocation decision is made once in a while, not according to the current market situation.

Čistá Platárna continuously monitors market conditions and the state of your liquidity and adjusts the distribution of funds within the limits you have set yourself. It's not about actively trading your capital without supervision - it's about systematically managing reserves according to rules you approve.

  • Static Allocations change quarterly or less frequently.
  • Adaptive The model reevaluates the distribution daily based on new data.
  • Static The risk tolerance is estimated once when the contract is signed.
  • Adaptive Risk tolerance refines based on your actual decisions.
Čistá Platárna – a team analyzing company financial data
How the model decides

Three layers behind every recommendation

The system does not work with a single prediction, but combines three independent mechanisms that correct each other. The result is more conservative than a simple prediction model.

01

Predictive market analysis

The model processes public market data and historical behavior patterns of liquid instruments and estimates probable developments in the short and medium term. The estimate is accompanied by a degree of uncertainty, not a single number.

02

Learning risk tolerance

Based on your approved or modified recommendations, the system gradually refines the profile of which fluctuations you are willing to accept. The profile can be reset manually at any time.

03

Real-time optimization

The allocation is recalculated every time there is a significant change in the input data, not according to a fixed schedule. Portfolio changes are proposed only when the benefit outweighs the cost of moving funds.

Commissioning

Setup takes days, not months

The process is designed to not require interference with your existing banking systems or lengthy implementation projects.

1

Data connection

You connect bank accounts and the accounting system via a secure interface for reading data. The Platform is not authorized to make outgoing payments without your separate approval.

2

Creating a risk profile

Based on the questionnaire and cash-flow history, the system will propose default exposure limits. You will review and edit your profile with a consultant before starting it.

3

Automated deployment

After agreeing the limits, the model manages the allocation independently within them. Any intervention beyond the limits requires your manual confirmation.

Use according to the situation

Three typical situations in which companies use the platform

Management of operational liquidity

Businesses with seasonal fluctuations in sales need to be sure that money will be available when they need it for payroll or suppliers. The model distinguishes between funds that must remain immediately available and surplus that can be valued with a slightly longer liquidity period.

Optimization of long-term reserves

For reserves intended to be used in 12 months or more (for example, for investments or tax liabilities), the model recommends an allocation with a higher potential return while maintaining the set limits of decline in value.

Reduction of risk concentration

If the company has a larger part of reserves with one institution or in one type of instrument, the system will draw attention to the concentration and propose a distribution that reduces the impact of a possible failure of one entity.

Trust and supervision

Questions most CFOs ask themselves

How the security and privacy of company data is ensured

Data is transmitted over an encrypted connection and is stored separately from the data of other clients. Access to the bank connection is limited to reading balances and transactions - the platform does not have the technical ability to make outgoing payments without separate approval in the banking interface.

Who oversees the algorithm's decisions

Any referral beyond the pre-approved limits is reviewed by a human consultant before being translated into an actual allocation. The model does not have the power to change your risk limits on its own - you only adjust them.

How quickly do I get the funds

Funds designated as immediate liquidity remain in instruments with access within one business day. For funds allocated with a longer horizon, the access period depends on the specific instrument and is indicated for each recommendation in advance, not after its acceptance.

Don't let capital sit idle in an account that doesn't bring anything

We will prepare a non-binding analysis of your current liquidity and show you how the allocation could look according to your risk profile.

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