Your company's liquidity, analyzed and managed with artificial intelligence
Roble Fondivo connects the level of risk you are willing to assume with an automated optimization system, designed for SMEs with positive cash flow that do not have the time to manage complex portfolios.
The cost of inaction
Fixed cash loses value even when it appears safe
Many companies keep their cash surpluses in checking accounts or very short-term deposits, under the idea that immediate liquidity equals security. In an environment of sustained inflation, that capital silently loses purchasing power, month after month, without any visible loss appearing on bank statements.
It is not about taking unnecessary risks, but about recognizing that inaction also has a cost. Roble Fondivo is based on this principle: analyzing idle money with the same rigor with which any other financial decision of the company is analyzed.
Short-term markets usually show daily oscillations significantly higher than the monthly variation of a portfolio managed under previously defined and continuously monitored risk parameters. The difference is not in eliminating risk, but in keeping it within known limits.
How it works
Three phases to integrate the intelligence layer into your treasury
Secure data incorporation
The company's financial information is incorporated into the system through encrypted connections. No ongoing manual intervention or direct third-party access to operating accounts is required.
Alignment with risk profile
The system learns the business owner's specific risk appetite from their decisions and stated preferences, and adjusts management parameters accordingly, without imposing standard criteria.
Real-time execution
Allocation decisions are executed automatically within established limits, allowing virtually autonomous management for the business owner.
Technical differentiation
A system that learns the preferences of each company, not a generic model
Predictive modeling
The system analyzes market patterns to anticipate movements before they are reflected on the company's balance sheet, rather than reacting once the impact has already occurred.
Adjustment in real time
Each decision and each preference expressed by the user feeds the system, which progressively fine-tunes its behavior to better adjust to the observed risk tolerance.
Tailored reports
The company receives periodic readings on the state of its treasury, with the level of detail that is useful for decision making, without unnecessary technical jargon.
Methodology and transparency
The Fondivo Oak frame
Management is based on a proprietary framework that combines Bayesian inference – a statistical method that updates probabilities as new data arrives – with conservative financial limits previously defined by each company.
The objective is not to replace the judgment of the business owner, but to accompany it: artificial intelligence acts as a co-pilot, not as a black box that decides without explanation. The processing of financial data follows the data protection standards applicable in the European Union.
Data processing in accordance with European regulations
Data intelligence at the service of your solvency
Before making any decision, Roble Fondivo performs an initial reading of the company's risk profile and the current situation of its treasury. This analysis does not imply any commitment and serves as a starting point to assess whether the system meets your needs.
Or speak directly to our team