DogvectorATOM analyzes cash flows in real time, identifies the liquidity held in the account and proposes allocation strategies calibrated to the risk profile of your company.
Many SMEs maintain high cash reserves in current accounts out of prudence. This choice reduces immediate operational risk, but exposed to inflation and zero returns, firm liquidity depreciates in real terms, year after year.
The main difficulty is not the lack of opportunities, but the lack of time and internal skills to continuously monitor them and adapt them to the specific context of the company.
DogvectorATOM observes entry and exit patterns, estimates short and medium term cash needs and distributes excess liquidity towards instruments consistent with the declared risk profile, without requiring daily manual interventions.
The platform combines predictive models, risk adaptation rules and real-time processing to transform cash data into operational decisions.
The models estimate future income and expenditure starting from transaction history, signaling periods of surplus and cash tension in advance.
The system learns the company's risk tolerance through explicit parameters and observed behaviors, adjusting allocation proposals over time.
Every relevant bank movement is incorporated into the analysis within minutes, keeping the strategy consistent with the actual liquidity available.
The journey from onboarding to active management follows four distinct phases, each verifiable by the internal finance team.
Minimum liquidity constraints, time horizon and acceptable risk level are defined through a structured questionnaire and the audit of the accounts.
The algorithm analyzes historical movements to identify seasonality, recurring commitments and truly available liquidity margins.
The system produces allocation recommendations with related Risk Mitigation, submitted to the decision-maker for approval.
Strategies are automatically revised as cash flows change, ensuring Strategic Scalability without new manual configuration.
DogvectorATOM was created to respond to a concrete problem of Italian SMEs: the lack of accessible tools to make excess liquidity available without compromising operational security.
The team works closely with financial decision-makers to calibrate predictive models on the real characteristics of each sector, avoiding generic solutions without context.
Discover our methodThe following answers clarify how the data is processed and on what basis the system builds its recommendations.
The profile arises from an initial questionnaire on liquidity constraints and is refined over time by observing the decisions approved or rejected by the decision-maker, without changing the parameters without explicit confirmation.
Transactional data is used exclusively to generate internal analyzes of the platform. Access to accounts takes place via standard and encrypted banking connections, without sharing with parties external to the service.
The system maintains a minimum non-investable liquidity threshold, defined during profiling, and reviews it periodically based on changes in the operating cycle.
Each proposal requires approval before execution, and ongoing strategies can be paused or recalibrated at any time from the company dashboard.
The infrastructure separates identifying data from transactional data used for analysis, reducing the exposure surface area in the event of unauthorized access.
A demo analysis shows, with your company's data, the current scenario and the alternatives compatible with your risk profile.