Business intelligence for corporate treasury
Elyra Fervane analyzes your available liquidity and proposes allocations based on strategies back-tested over several market cycles, with the constant objective of reducing risk rather than seeking isolated returns.
Market context
Holding cash without an allocation mechanism is not a neutral decision. It is an implicit choice, the effects of which can be quantified.
Unallocated liquidity mechanically loses real value with each inflation cycle. Without a compensation mechanism, the gap between nominal yield and real yield widens over time.
Waiting for a better market window does not eliminate exposure to risk: it postpones it, without any premium compensating for this wait.
Each period of dormant cash represents an uncaptured potential return, compared to diversified allocations driven by explicit rules.
Real-time predictive analytics. Elyra Fervane superimposes a layer of continuous analysis on your cash flows, in order to identify allocation windows compatible with your liquidity horizon and your risk tolerance, without permanent manual intervention.
Methodology
Each allocation decision results from a traceable sequence: aggregation, historical validation, then execution under constraints.
Connection to banking flows, market data and relevant macroeconomic indicators, consolidated in a single, continuously updated repository.
The predictive models are validated on out-of-sample historical data, covering bullish, bearish and lateral cycles, before any deployment in real conditions.
Allocation recommendations result from optimization under constraints: liquidity horizon, risk tolerance threshold and requirements specific to your sector.
Analytical evidence
Methodological rigor concerns how historical results are produced, not their future reproduction.
| Evaluated dimension | Dormant cash | Allocation driven by Elyra Fervane |
|---|---|---|
| Real return after inflation | Negative by default | Objective of partial or total compensation |
| Responsiveness to market signals | None | Daily recalculation |
| Rebalancing frequency | Not applicable | According to defined drift thresholds |
| Traceability of the decision | Implicit | Documented, rules-based |
Past performance, including that from back-testing, is no guarantee of future performance. Each model is re-evaluated regularly on new data in order to detect any degradation in its predictive capacity.
The emphasis is on risk-adjusted returns rather than raw return, because a gain not weighted by its volatility underestimates the actual exposure taken to obtain it.
Features
Each functionality responds to an operational constraint encountered by SME and ETI managers: time, visibility and scalability of monitoring.
Volatility and exposure indicators are continuously recalculated, with alert thresholds configurable according to your risk appetite.
When the allocation drifts beyond a defined threshold, a rebalancing recommendation is generated, with supporting numerical justification.
Banking, accounting and market data are centralized in a single flow, reducing manual consolidation time for finance teams.
Frequently asked questions
The most frequently asked questions by financial departments before integration.
Transmitted financial data is processed in accordance with GDPR requirements, with encryption in transit and at rest. Access to data is limited to processing strictly necessary for calculating recommendations, and an access log remains available on request.
Data aggregation is based on standard connectors to the main banking establishments used by French SMEs and mid-sized companies. Integration does not require overhaul of the existing information system.
The models incorporate breakout thresholds that trigger an automatic review of exposure in the event of unusual market movements. No model can guarantee perfect anticipation of a rare event: the applied logic favors limiting exposure rather than predicting the event itself.
Elyra Fervane produces documented recommendations. The execution decision remains under the control of the financial management or the manager, in accordance with the company's internal validation procedures.
Next step
Describe your cash flow situation and allocation horizon. A prior discussion allows you to determine whether your company's constraints are compatible with the models available on the platform.
The allocations offered by Elyra Fervane carry a risk of capital loss. Back-testing performance is based on historical data and is not a guarantee of future results. Any allocation decision is the responsibility of the company, after analysis of its own financial situation.
