AI cash deployment for UK businesses
Calystrix connects to your business accounts, analyses cash flow patterns, and allocates surplus reserves to vetted, risk-adjusted yield products. Built for directors managing £50k to £1m who want their cash working without added admin.
What you see after connecting
A single view of idle balances versus active yield, a daily liquidity forecast, and a risk score updated as market conditions change.
The problem
Most business current accounts in the UK pay little to no interest. Inflation reduces the real value of reserves held this way, even when the balance on screen stays the same. For a business holding £200k, the gap between idle and active cash compounds quickly over a year.
Calystrix identifies the portion of your balance that is genuinely idle, then moves it into short-term, liquidity-matched instruments. Funds stay accessible. The rest of your working capital is left untouched.
Setup
Link your business bank account through open banking. Read-only access. No manual statement uploads.
The model reviews your transaction history and cash flow cycle to separate idle balance from working capital you need on hand.
Idle funds are allocated across short-term products matched to your liquidity needs. You approve the allocation before anything moves.
Capabilities
The system does not allocate once and leave it. Forecasts and risk scores update daily as new transactions, rates, and market conditions come in.
01
Projects your cash position 30, 60, and 90 days out based on historical inflow and outflow patterns, flagging shortfalls before they happen.
02
Allocations are rebalanced when volatility or counterparty risk shifts outside the thresholds set for your account.
03
Products are matched to your liquidity requirements, not a generic risk profile. A seasonal business and a steady-revenue business receive different allocations.
Methodology
No testimonials, no case studies. Here is a direct description of how deployment decisions are calculated and secured.
The allocation model weighs transaction variance, a minimum liquidity buffer you set, and a forecast horizon of up to 90 days before recommending any movement of funds.
Bank connections are read-only and established through regulated open banking providers. Account data is encrypted in transit and at rest, and is never sold or shared for marketing purposes.
Calystrix processes data under UK GDPR. Deployment routes connect only to FCA-authorised institutions and regulated money market products available to UK businesses.
Connect your account, review the analysis, and decide whether to deploy. No obligation to allocate anything after setup.
Start SetupSetup takes under 60 seconds. No card required to view your analysis.