Xynavero – Natural stone texture with a subtle financial data interface overlay

Smart working capital

Turn idle liquidity into a thoughtful decision, not a forgotten balance

Xynavero analyzes your company's cash behavior in real time and recommends how to allocate excess pesos or dollars according to your horizon and risk tolerance, with daily reports that show the result.

Optimize my liquidity

The cost of not deciding

Idle liquidity has a price, even if it does not appear on the balance sheet

Many Argentine SMEs keep part of their capital in checking accounts or savings accounts, in pesos or dollars, without an active allocation strategy. That decision—or lack thereof—has a technical name: opportunity cost. It is the return that is no longer generated while the capital remains immobile, waiting for a decision that is never completed due to lack of time, information or a clear methodology.

The Argentine context adds an additional variable: the volatility of the peso and the gap between instruments mean that the same sum of money can have very different results depending on where and how it is allocated. Xynavero was built to reduce that uncertainty with data, not intuition.

opportunity cost

The return not obtained by maintaining unallocated capital, compared to the result that an active short-term strategy would have generated. Quantifying it month by month is the first step to correct it.

How it works

A data and prediction engine, explained step by step

The system combines your company's financial information with predictive models trained to identify cash patterns and allocation opportunities, without requiring technical knowledge on your part.

Data integration

The available sources - bank accounts, ERP, treasury sheets - are connected using API or assisted loading. The objective is to build a reliable timeline of income, expenses and available balances, without intervening in the daily operation of the business.

Predictive analysis

The model identifies seasonality, upcoming obligations and excess liquidity margins. From there, estimate what portion of the capital can be allocated to short or medium-term instruments without compromising the operation.

Allocation Optimization

Depending on the time horizon and risk tolerance defined with the Xynavero team, the system proposes a combination of instruments—for example, fixed-term funds, money market funds, or currency hedging—and adjusts the recommendation as conditions change.

Reporting and monitoring

Each recommended move is recorded and measured against its actual result. The business owner receives a daily report that explains what was done, why, and what performance that decision generated.

Full transparency

Its capital, visible every 24 hours

Most financial management tools show results at the end of the month. Xynavero updates the status of each assignment every day, so that the relationship between the decision made and its outcome is never hidden behind a quarterly report.

Daily report with details of active instruments and their accumulated performance.
Comparison between the result obtained and the scenario of not having allocated the capital.
Exportable history for internal audit or conversation with your accountant.
Alerts when a recommendation requires revision due to changes in the market or cash flow.

See methodology

Daily summary — example structure

Assigned balanceUpdated today
Active instrumentsDetail by item
Cumulative performanceDaily variation
Next model revisionEstimated date

Methodology

The logic behind each recommendation

Instead of relying on testimonials or generic success stories, we prefer to explain how the system works. Credibility, in this type of decisions, is built with verifiable information.

Model

Predictive cash flow analysis

The models are trained with historical series of income and expenses to project liquidity needs for 7, 30 and 90 days. The more consistent the data history, the more precise the recommended allocation margin.

Risk

Risk management framework

Each recommendation respects an exposure limit defined with the client: maximum percentage of mobile capital, allowed terms and minimum diversification between instruments. The system never suggests committing immediate operating capital.

Security

Data security protocols

Financial information is transmitted encrypted and stored with access restricted by role. Xynavero does not execute fund movements without explicit authorization from the account holder in each operation.

Use cases

Specific applications depending on the type of business

The optimal liquidity strategy is not the same for a business with seasonal sales as it is for a service company with stable monthly billing. The model adjusts its recommendations depending on the sector.

Retail

Trade with seasonal sales

It identifies the months with the highest income and proposes short-term instruments for the surpluses prior to the low season, so that the capital remains available when it is necessary to reinvest in stock.

Services

Professional services companies

With more predictable cash flows, the model prioritizes medium-term instruments that improve performance without affecting the availability necessary to cover monthly salaries and fixed charges.

Tech / Startups

Tech startups with capital rounds

When the capital raised must last several months of operation (runway), the system calculates what portion can be allocated without compromising the coverage of projected operating expenses.

Xynavero team working on financial analysis models in a sober office environment

A technical approach, designed for SME owners

Xynavero was born from the idea that predictive technology used in institutional financial markets can also be applied to the treasury management of medium-sized companies, without requiring them to hire their own financial team.

We do not replace the judgment of the business owner: we give you organized, updated and explained information in clear terms, so that each decision about your working capital is made with the same rigor as an institutional investment decision.

Learn more about Xynavero

Take the first step towards active liquidity management

An initial conversation with our team allows us to review your current cash situation and define if there is real room for optimization, before any commitment.

Optimize my liquidity

This content is informational and does not constitute financial advice or an investment offer. Any allocation of capital involves risk, including the possibility of partial or complete loss of expected return.