Choice Lumento transforms data into decisions. Maximize available capital with predictive models and instant withdrawals, no waiting periods.
The dashboard displays available capital, capital allocated to income instruments, and estimated time to full availability — continually updated as new data enters the system.
The engine processes treasury movements, cash positions and market indicators continuously, signaling opportunities and risks as they arise, without the need for manual reports.
Detects changes in market conditions and your company's cash flow pattern, anticipating liquidity needs before they become urgent.
Automatically defines and adjusts exposure limits per instrument and per term, maintaining the allocation within the parameters defined by the company.
Any allocated amount can be withdrawn without a grace period, allowing capital to return to operation as soon as necessary.
| Metric | Specification | Observations |
|---|---|---|
| Data update frequency | Every 15 minutes | Applicable to linked bank accounts and market feeds |
| Processing latency per order | Less than 2 seconds | For analysis on already integrated data |
| Accounts and sources linked by plan | Up to 50 | Varies depending on the business plan contracted |
| Recalibration of the predictive model | Monthly | Adjusted to the sector of activity and the company’s history |
| Deadline for making funds available | No grace period | Withdrawal processed at the request of the financial responsible |
Technical specification values refer to the normal functioning of the platform and may vary depending on the banking infrastructure from which the data originates.
The integration follows three phases, each overseen by a Choice Lumento specialist. The model assists the decision of the financial person responsible; does not replace it.
Before any recommendation is generated, the technical team validates the data connection and the company's sector framework. The objective is for the model to reflect the specific operational reality of the business, and not a generic market average.
Throughout the entire process, the business owner maintains full visibility over active parameters and can adjust risk limits at any time.
Secure connection via API to bank accounts and company management systems, with limited access to reading movements and balances.
The predictive model is calibrated based on cash history and the sector of activity, before generating any recommendations.
Recommendations are presented to the financial officer for approval; the execution of movements is always subject to this confirmation.
The examples below describe the type of analysis that the system performs for frequent situations; The values shown are illustrative of the panel structure, not guaranteed results.
When the available balance exceeds the operational threshold defined by the company, the system signals the surplus and suggests the most appropriate time to allocate it, considering expenses expected in the following weeks.
The allocation is reversible at any time, so capital remains accessible should unforeseen needs arise.
Before a planned investment, the model estimates the impact on the cash position and identifies whether part of the allocated capital must be released in advance to cover the payment schedule.
This prevents the company from resorting to short-term credit simply due to a lack of visibility into the funds already available.
For capital that would remain idle for several months, the system compares the opportunity cost of keeping it immobile with that of allocating it to instruments with immediate liquidity.
The final decision on allocation always remains with the company's financial manager.
Automation speeds up analysis; does not speed up execution without validation. Each capital movement decision undergoes explicit approval.
Connections protected by TLS 1.3 encryption in transit and AES-256 at rest. Access to banking data is done in read mode, through regulated Open Banking protocols.
Any amount allocated through the platform can be withdrawn without a waiting period. The company always maintains access to capital, regardless of the instrument in use.
Questions about custody, applicable taxation and technical integration are detailed on our FAQ page.
An initial 30-minute session allows you to assess your company's liquidity profile and show how the model would be calibrated to your sector.