AI-led capital deployment
Halvoryx connects to your business accounts, reads real-time market and risk data, and proposes a tailored allocation for your surplus cash. Review the recommendation and deploy it in under 60 seconds.
Optimise in 60 Seconds See how it works
Illustrative view of how recommendations are presented before you approve them.
The cost of waiting
Most business owners know this, yet traditional routes into investment are built for people with time to spare: meetings with advisers, lengthy onboarding, and portfolios that take weeks to set up properly. For a company with seasonal surplus or a reserve fund earmarked for growth, that friction often means the cash simply stays idle.
Halvoryx was built around a narrower, more practical question: once you have decided that some of your cash should be working harder, how quickly and safely can that actually happen. The answer, for most accounts, is under a minute.
Link your business bank account and any existing holdings through secure, read-only open banking. No data is shared beyond what is needed to assess your cash position.
Our models review your cash flow patterns, current market conditions, and the risk tolerance you set, then generate a tailored allocation with a plain-English rationale.
You review the recommendation and approve it. Capital is allocated according to your instructions, typically within 60 seconds of confirmation.
Rather than treating your business like a retail investor, Halvoryx accounts for the fact that your cash needs may change with the seasons, with a large invoice, or with an unplanned expense. The engine factors in liquidity requirements alongside risk and return.
Halvoryx was created for UK small and medium-sized businesses that hold surplus cash but lack the time, or the appetite, to research markets themselves. We designed the platform so that the analysis does the heavy lifting, while you retain full visibility and final approval over every decision.
The aim is not to replace your judgement. It is to give you a clear, well-reasoned starting point in under a minute, instead of days of research.
Each recommendation weighs current market signals against your stated liquidity needs and time horizon. The model favours capital preservation first, then return, in line with the risk level you select.
You set upper and lower bounds for exposure before any allocation is made. The engine will not propose a position outside those bounds, and will flag when market conditions push close to a limit.
Account connections use read-only, regulated open banking access. Halvoryx never has the ability to move funds without your explicit, per-transaction approval.
Every allocation includes a written explanation of why it was proposed, so you can review the reasoning before approving, declining, or adjusting it.
A healthy quarter can leave more in the business account than is needed for near-term operations. Halvoryx proposes a short-to-medium-term allocation sized to what you can comfortably set aside, while keeping an agreed buffer liquid.
Businesses that have relied on one savings account for years often want broader exposure without building a portfolio from scratch. The engine suggests a spread aligned to your risk setting, with the reasoning shown for each component.
If you know cash will be needed for a renovation, a tax bill, or a hire in six months, the model factors that timeline in, favouring lower-volatility allocations that stay accessible when the date approaches.
Set up takes a few minutes. Once your account is connected, each new recommendation can be reviewed and approved in under 60 seconds.