Terso Provechanza analyzes your company's excess cash in real time and converts it into a managed asset, applying an intelligent stop-loss system that limits maximum losses before they occur.
Aimed at small and medium-sized Spanish companies with unallocated operating capital.
Keeping surplus cash in conventional checking accounts does not protect its value. Inflation reduces the purchasing power of that capital month after month, while the decision to invest it is usually postponed due to lack of time or fear of market volatility.
The usual alternative—manual decisions based on intuition or quarterly reports—introduces a structural delay between when the market changes and when you act. Terso Provechanza replaces that delay with continuous analysis and execution based on predefined rules.
The system does not only seek profitability. Its first function is the preservation of capital through preservation algorithms that react before a loss becomes significant.
Each position is managed under loss thresholds calculated dynamically according to asset volatility and market condition, not under an arbitrary fixed percentage. When the threshold is reached, the system automatically closes the position.
The engine processes macroeconomic, liquidity and market behavior variables to estimate probable short and medium-term scenarios, updating its estimates with each new data available.
Orders are executed when the defined conditions are met, eliminating the interval between the detected signal and the action taken that characterizes periodic manual review.
The system logic is auditable at every step. You retain final authority over the parameters; AI takes care of the calculation volume that a manual review cannot sustain on an ongoing basis.
Market data, macroeconomic indicators and company liquidity parameters are incorporated, normalized for joint analysis.
The predictive engine crosses variables and generates risk and opportunity estimates, updated continuously.
Allocation parameters and stop-loss thresholds are adjusted according to the risk profile defined by the client.
Orders are sent to the market within approved limits, with a full record of every decision made.
An investment strategy is judged both by its ability to generate results and by its discipline to limit the size of losses in adverse periods. The Terso Provechanza system prioritizes the second condition as a prerequisite to the first.
Terso Provechanza works with companies that have excess operating capital and seek active management without assuming the burden of daily market monitoring. The approach combines large-scale data analysis with explicit and verifiable risk controls.
No guaranteed profitability is promised. A structured decision framework is offered, with clear rules on when and how the system acts, and with the client always maintaining the final say on accepted risk parameters.
Availability periods depend on the risk profile and the instruments used in each case. Before starting any management, a liquidity calendar compatible with its operational needs is defined with the client, so that the assigned capital does not compromise the daily operation of the business.
Ingestion data is treated under encryption protocols in transit and at rest, with access restricted by role. The initial data audit also serves to determine what information is strictly necessary for the model, avoiding collecting additional data without justification.
The integration is carried out by connecting to the company's existing financial data sources, without requiring changes to the internal accounting system. The onboarding process begins with the data audit, where the available sources and the initial scope of management are identified.
Before managing a single euro in your treasury, Terso Provechanza performs an audit of the available data to determine if the system is applicable to your case and under what risk parameters. It is a first diagnostic step, not an investment commitment.