Svit Cennovna analyzes real-time market data and suggests a strategy for free funds between orders. Access to the platform does not require a minimum deposit — the system works with the amount you currently have available.
Start optimizingFreelancers often receive payments in lump sums, and between individual projects there are periods when the capital is in the current account without any appreciation. Inflation and wasted opportunity costs reduce the real value of savings in the interim.
A typical freelancer spends a significant part of the year in the interim without actively evaluating the free funds in the account.
Svit Cennovna monitors market signals continuously and the moment free capital appears in the account, it will propose an allocation corresponding to the current risk situation. The decision is based on a model, not a guess.
The goal is not to maximize return at all costs, but to minimize the time that capital remains unappreciated and without risk control.
The system combines real-time big data analysis with a risk management model. The result is a recommendation that can be understood even without a technical background.
The model processes market data at intervals on the order of minutes, not days. Thanks to this, the recommended allocation adapts to the current situation, not to an outdated picture of the market.
Each recommendation is tied to a defined level of risk corresponding to the volume of invested capital. The system does not offer strategies that do not match the specified profile.
The strategy is recalculated every time the balance changes, whether it is CZK 500 or CZK 50,000. The user does not need to manually adjust the strategy every time a payment arrives.
The process is divided into three steps, which can be traced back in the decision overview. None of the steps involve subjective judgment.
The model collects price, volume and volatility data from relevant markets in real time and normalizes it into a uniform format for further processing.
The algorithm compares the current data structure with historical patterns and identifies situations with a similar risk profile, on the basis of which it estimates the likely development.
Based on the evaluation, the system will propose capital allocation. The decision is not subject to an emotional reaction to short-term market movements, as it is based solely on the defined parameters of the model.
Svit Cennovna was created to offer freelancers access to predictive analytics tools that were previously available primarily to high-end institutional investors.
The platform works with a transparent decision-making logic — each recommendation is traceable and supported by specific input data, not a marketing message.
The following two scenarios show how Svit Cennovna works with different amount of free funds and different reception frequency.
A freelancer at the beginning of a career puts in smaller amounts irregularly, depending on how the first payments come. The model chooses a conservative allocation with an emphasis on capital preservation and gradually adjusts the strategy as the balance grows.
Access to the platform's functions is the same as for higher amounts — the limit is not the amount of the deposit, but the chosen level of risk.
A freelancer with a more regular income keeps a higher reserve between long-term contracts. The model distributes the capital between multiple instruments according to the current market volatility and the set horizon over which the user plans to use the funds again.
The strategy is automatically reevaluated when a new order arrives, without the user having to manually change the account parameters.
The following answers describe how the platform handles the data, liquidity, and confidence level of the model.
Transaction data and account settings are stored in encrypted form and only systems necessary for the operation of the model have access to them. The platform does not share personal financial data with third parties for marketing purposes.
Liquidity depends on the chosen strategy and the instruments to which the capital is allocated. More conservative allocations typically allow for faster withdrawals, while longer-term strategies may have more limited short-term funds availability. Specific conditions are listed for each strategy before it is confirmed.
The model works with historical and current data and provides an estimate of probable development, not a guarantee of yield. As with any investment activity, there is a risk of losing part of the invested capital. The recommendation of the model should be understood as a basis for a decision, not as a certainty of the result.