Sente Mérévonce continuously analyzes your freelance cash flow and automatically adjusts the risk exposure of your available capital, without daily manual intervention.
A freelancer's income varies from month to month, often markedly. Between two missions, the available capital frequently remains unused in a current account, or placed urgently without prior risk analysis.
This irregularity makes it difficult to apply consistent management discipline. Investment decisions are then made on an ad hoc basis, without a stable analytical framework to evaluate them over time.
The system is based on a predictive model trained on market data and the cash flow profile of each user, with a constant objective: limiting exposure to risk before seeking return.
The model estimates the share of capital that can be exposed without compromising short-term cash flow needs, taking into account the seasonality of the activity.
A monitoring module adjusts the allocation based on observed volatility, reducing exposure as soon as defined risk thresholds are approached.
Identified surpluses are reallocated according to rules set in advance, without requiring manual arbitration repeated each month.
Architecture: The models combine cash flow time series, consolidated market data and regularly revised risk management rules, without relying on a single indicator.
Each recommendation results from an identifiable sequence of treatments, which can be consulted a posteriori, rather than from an opaque calculation.
Cash movements and declared maturities are collected and consolidated in a structured history, updated with each transaction.
Each allocation scenario is confronted with criteria of volatility and minimum liquidity before being selected as a viable option.
The final proposal is applied according to the parameters validated by the user, with a report detailing the criteria selected.
The settings vary depending on the nature of the activity and the regularity of the income declared.
For an IT consultant whose missions follow one another with sometimes long intervals, the configuration favors the liquidity available over a three-month horizon.
For a creative profile with higher one-off income, a share identified as surplus may be exposed to a longer horizon.
For a consulting activity with more stable income, unallocated margins can be reinvested according to a recurring rule defined in advance.
These answers aim to clarify how the system actually works, without commercial formulation.
Data passes via encrypted connections and is stored separately by user account. Access to allocation parameters remains subject to authentication specific to each session.
A minimum liquidity reserve, defined by the user, is systematically excluded from any exposure. Amounts beyond this threshold can be withdrawn according to the deadlines specific to each medium used.
The model is based on historical cash flow data, market indicators and explicit risk rules. Each decision is accompanied by a report indicating the criteria leading to the recommendation, which can be revised at any time.